| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.0% | -3.1 pts |
| Deposit growth (YoY) | +0.4% | +2.5% | -2.1 pts |
| Loan growth (YoY) | -4.3% | +2.6% | -6.9 pts |
| ROA | 1.02% | 0.99% | +0.0 pts |
| ROE | 12.1% | 8.1% | +4.0 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.7M | $47.9M | $28.1M | $4.6M | $273K | 1.02% | 3.79% | 0.31% |
| Q1 2026 | $54.9M | $50.1M | $28.7M | $4.5M | $120K | 0.89% | 3.73% | 0.60% |
| Q4 2025 | $52.9M | $48.1M | $29.2M | $4.5M | $371K | 0.70% | 3.64% | 0.00% |
| Q3 2025 | $52.2M | $46.5M | $28.9M | $4.4M | $271K | 0.68% | 3.63% | 0.05% |
| Q2 2025 | $52.8M | $47.8M | $29.4M | $4.2M | $193K | 0.72% | 3.63% | 0.05% |
| Q1 2025 | $53.7M | $49.2M | $30.7M | $4.1M | $112K | 0.83% | 3.56% | 0.28% |
| Q4 2024 | $54.6M | $47.2M | $32.1M | $3.9M | $200K | 0.36% | 2.96% | 1.07% |
| Q3 2024 | $56.4M | $46.3M | $32.7M | $4.0M | $135K | 0.32% | 2.91% | 1.04% |
Loan mix (Q2 2026): real estate $20.1M · commercial $3.0M · consumer $1.5M · securities $21.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Exchange State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.99% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 8.1% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 70.8% | 44th |
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 Exchange 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 | The Exchange 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 | The Exchange 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 | The Exchange 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 | The Exchange 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $47.8M branch deposits. Biggest market: Linn, IA, ranked 26th with 0.3% of deposits.
Iowa: 282nd with 0.03% · Cedar Rapids metro: 35th, 0.41% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2