| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +3.0% | -7.0 pts |
| Deposit growth (YoY) | -6.1% | +2.5% | -8.6 pts |
| Loan growth (YoY) | -13.6% | +2.6% | -16.2 pts |
| ROA | 1.10% | 0.99% | +0.1 pts |
| ROE | 2.9% | 8.1% | -5.2 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.6M | $21.9M | $9.4M | $13.6M | $196K | 1.10% | 3.84% | 2.38% |
| Q1 2026 | $34.9M | $21.3M | $9.5M | $13.5M | $119K | 1.34% | 3.77% | 2.69% |
| Q4 2025 | $36.3M | $22.8M | $9.9M | $13.4M | $436K | 1.17% | 4.27% | 1.22% |
| Q3 2025 | $36.8M | $22.9M | $10.6M | $13.8M | $376K | 1.33% | 4.29% | 0.84% |
| Q2 2025 | $37.1M | $23.4M | $10.9M | $13.6M | $243K | 1.28% | 4.29% | 0.85% |
| Q1 2025 | $37.8M | $24.2M | $12.4M | $13.5M | $122K | 1.28% | 4.16% | 0.85% |
| Q4 2024 | $38.7M | $25.2M | $15.1M | $13.4M | $663K | 1.79% | 4.59% | 0.86% |
| Q3 2024 | $37.2M | $23.6M | $14.3M | $13.4M | $589K | 2.14% | 4.64% | 0.91% |
Loan mix (Q2 2026): real estate $4.7M · commercial $833K · consumer $100K · securities $21.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.99% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 8.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 70.8% | 41st |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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) · $21.9M branch deposits. Biggest market: Renville, MN, ranked 9th with 4.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Renville, MN | 1 | $21.9M | 4.18% | 9th |
Minnesota: 348th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1