| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.8 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +4.1% | +5.9% | -1.8 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 13.4% | 12.2% | +1.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $982.6M | $305.9M | $104.8M | $6.8M | 1.25% | 2.04% | 0.01% |
| Q1 2026 | $1.09B | $984.5M | $301.5M | $102.6M | $3.1M | 1.15% | 1.99% | 0.01% |
| Q4 2025 | $1.09B | $985.5M | $300.7M | $99.9M | $11.7M | 1.14% | 2.22% | 0.09% |
| Q3 2025 | $1.03B | $922.0M | $297.5M | $99.3M | $10.9M | 1.43% | 2.27% | 0.45% |
| Q2 2025 | $1.03B | $927.6M | $293.9M | $96.3M | $7.2M | 1.43% | 2.27% | 0.48% |
| Q1 2025 | $1.02B | $917.1M | $280.7M | $96.9M | $3.6M | 1.43% | 2.27% | 0.46% |
| Q4 2024 | $965.9M | $869.6M | $271.1M | $93.0M | $15.7M | 1.67% | 2.61% | 0.47% |
| Q3 2024 | $921.9M | $825.1M | $267.3M | $91.8M | $12.1M | 1.73% | 2.66% | 0.49% |
Loan mix (Q2 2026): real estate $139.4M · commercial $107.7M · consumer $33.7M · securities $560.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Converse County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.4% | 59.0% | 13th |
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 Converse County 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 | The Converse County 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 | The Converse County 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 | The Converse County 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 | The Converse County 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.
3 branches in 1 county across 1 state (+0 vs 2024) · $927.6M branch deposits. Biggest market: Converse, WY, ranked 1st with 74.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Converse, WY | 3 | $927.6M | 74.19% | 1st |
Wyoming: 7th with 3.73% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3