| Metric | Strasburg State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +7.6% | +4.0% | +3.7 pts |
| Loan growth (YoY) | -0.8% | +5.6% | -6.4 pts |
| ROA | 1.19% | 1.24% | -0.1 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.2M | $93.4M | $44.6M | $9.3M | $619K | 1.19% | 3.15% | 0.00% |
| Q1 2026 | $109.0M | $98.6M | $45.1M | $9.0M | $307K | 1.18% | 3.14% | 0.00% |
| Q4 2025 | $99.6M | $89.3M | $53.0M | $9.1M | $1.1M | 1.15% | 3.30% | 0.00% |
| Q3 2025 | $99.6M | $89.2M | $47.3M | $8.9M | $925K | 1.25% | 3.25% | 0.00% |
| Q2 2025 | $97.2M | $86.8M | $44.9M | $9.0M | $608K | 1.23% | 3.17% | 0.00% |
| Q1 2025 | $100.7M | $90.7M | $42.8M | $8.6M | $287K | 1.16% | 3.04% | 0.00% |
| Q4 2024 | $97.6M | $87.6M | $46.4M | $8.8M | $1.0M | 1.09% | 3.16% | 0.00% |
| Q3 2024 | $92.7M | $82.6M | $42.3M | $8.7M | $895K | 1.30% | 3.15% | 0.00% |
Loan mix (Q2 2026): real estate $14.3M · commercial $1.8M · consumer $223K · securities $24.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Strasburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Strasburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Strasburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Strasburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Strasburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Strasburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $93.4M branch deposits. Biggest market: Emmons, ND, ranked 1st with 29.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Emmons, ND | 1 | $93.4M | 29.69% | 1st |
North Dakota: 68th with 0.19% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).