| Metric | The Bank of Steinauer | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.4% | +3.0% | -19.4 pts |
| Deposit growth (YoY) | -21.0% | +2.5% | -23.5 pts |
| Loan growth (YoY) | +13.0% | +2.6% | +10.4 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 12.2% | 8.1% | +4.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.0M | $16.5M | $13.0M | $1.9M | $114K | 1.08% | 5.00% | 0.00% |
| Q1 2026 | $25.4M | $23.5M | $11.4M | $1.9M | $52K | 0.94% | 4.60% | 0.00% |
| Q4 2025 | $18.9M | $17.0M | $12.2M | $1.8M | $65K | 0.31% | 4.71% | 0.00% |
| Q3 2025 | $22.0M | $19.8M | $11.4M | $1.9M | $182K | 1.13% | 4.50% | 0.00% |
| Q2 2025 | $22.8M | $20.9M | $11.5M | $1.9M | $137K | 1.29% | 4.44% | 0.00% |
| Q1 2025 | $23.4M | $21.6M | $11.2M | $1.8M | $71K | 1.39% | 4.24% | 0.00% |
| Q4 2024 | $17.4M | $15.6M | $11.7M | $1.7M | $55K | 0.32% | 3.87% | 0.00% |
| Q3 2024 | $18.5M | $16.7M | $10.9M | $1.8M | $88K | 0.68% | 3.67% | 0.00% |
Loan mix (Q2 2026): real estate $8.4M · commercial $673K · consumer $1.7M · securities $500K
| Ratio | The Bank of Steinauer | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 8.1% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 70.8% | 63rd |
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 Steinauer | 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 Steinauer | 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 Steinauer | 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 Steinauer | 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 Steinauer | 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) · $16.5M branch deposits. Biggest market: Pawnee, NE, ranked 4th with 13.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pawnee, NE | 1 | $16.5M | 13.30% | 4th |
Nebraska: 198th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (43 bps of assets, 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).