| Metric | The Bank of Baker | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.0 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 13.9% | 11.9% | +2.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.9M | $142.2M | $88.7M | $17.6M | $1.2M | 1.52% | 4.13% | 0.51% |
| Q1 2026 | $165.1M | $146.0M | $87.5M | $18.2M | $615K | 1.50% | 3.94% | 0.62% |
| Q4 2025 | $162.7M | $144.1M | $86.2M | $17.7M | $2.3M | 1.45% | 4.35% | 0.75% |
| Q3 2025 | $157.0M | $138.7M | $85.8M | $17.4M | $1.6M | 1.37% | 4.27% | 0.71% |
| Q2 2025 | $157.6M | $139.5M | $84.8M | $17.0M | $852K | 1.08% | 4.09% | 0.72% |
| Q1 2025 | $154.3M | $136.6M | $80.3M | $17.0M | $516K | 1.30% | 3.95% | 0.86% |
| Q4 2024 | $162.5M | $145.0M | $83.7M | $16.7M | $2.7M | 1.73% | 4.12% | 0.79% |
| Q3 2024 | $152.3M | $135.3M | $87.6M | $16.3M | $1.6M | 1.39% | 4.07% | 0.70% |
Loan mix (Q2 2026): real estate $54.4M · commercial $18.8M · consumer $1.3M · securities $41.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Baker | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 62.9% | 51st |
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 | The Bank of Baker | 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 | The Bank of Baker | 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 | The Bank of Baker | 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 | The Bank of Baker | 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 | The Bank of Baker | 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) · $142.2M branch deposits. Biggest market: Fallon, MT, ranked 1st with 70.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fallon, MT | 1 | $142.2M | 70.23% | 1st |
Montana: 45th with 0.30% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 30% in 2025. 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).