| Metric | The Bank of Elk River | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Deposit growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +8.2% | +5.3% | +2.9 pts |
| ROA | 0.83% | 1.28% | -0.4 pts |
| ROE | 12.4% | 12.4% | -0.1 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $719.1M | $661.2M | $452.3M | $49.0M | $3.0M | 0.83% | 3.55% | 0.76% |
| Q1 2026 | $714.7M | $659.7M | $447.8M | $46.3M | $1.2M | 0.66% | 3.44% | 0.57% |
| Q4 2025 | $717.6M | $658.9M | $432.5M | $49.5M | $6.9M | 0.99% | 3.42% | 0.02% |
| Q3 2025 | $703.7M | $653.3M | $418.1M | $46.1M | $5.1M | 0.97% | 3.36% | 0.02% |
| Q2 2025 | $702.5M | $655.7M | $417.9M | $42.8M | $3.1M | 0.88% | 3.30% | 0.15% |
| Q1 2025 | $696.8M | $649.2M | $416.4M | $39.0M | $1.5M | 0.89% | 3.28% | 0.04% |
| Q4 2024 | $677.5M | $634.1M | $404.2M | $35.2M | $5.3M | 0.79% | 3.03% | 0.02% |
| Q3 2024 | $690.1M | $638.0M | $401.0M | $38.1M | $3.6M | 0.71% | 2.98% | 0.02% |
Loan mix (Q2 2026): real estate $344.0M · commercial $92.7M · consumer $20.8M · securities $232.4M
| Ratio | The Bank of Elk River | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 61.2% | 73th |
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 Elk River | 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 Elk River | 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 Elk River | 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 Elk River | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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