| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +4.4% | -9.0 pts |
| Deposit growth (YoY) | -7.2% | +4.0% | -11.2 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 2.73% | 1.24% | +1.5 pts |
| ROE | 19.9% | 11.9% | +8.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.5M | $305.6M | $113.6M | $50.9M | $5.0M | 2.73% | 4.50% | 0.42% |
| Q1 2026 | $373.0M | $322.6M | $110.9M | $49.6M | $2.8M | 3.03% | 4.50% | 0.46% |
| Q4 2025 | $364.1M | $312.7M | $107.6M | $50.0M | $11.0M | 3.01% | 4.65% | 0.38% |
| Q3 2025 | $370.8M | $321.6M | $106.4M | $48.0M | $8.6M | 3.12% | 4.60% | 0.39% |
| Q2 2025 | $374.9M | $329.4M | $106.3M | $44.6M | $5.7M | 3.12% | 4.59% | 0.41% |
| Q1 2025 | $387.3M | $344.0M | $109.3M | $42.6M | $2.9M | 3.19% | 4.53% | 0.41% |
| Q4 2024 | $333.6M | $287.6M | $114.7M | $40.3M | $10.2M | 3.03% | 4.52% | 0.36% |
| Q3 2024 | $355.4M | $311.6M | $115.1M | $42.6M | $8.3M | 3.27% | 4.44% | 0.23% |
Loan mix (Q2 2026): real estate $51.2M · commercial $5.5M · consumer $7.0M · securities $216.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.73% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 62.9% | 3rd |
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) · $305.6M branch deposits. Biggest market: Sheridan, NE, ranked 1st with 54.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sheridan, NE | 1 | $305.6M | 54.49% | 1st |
Nebraska: 70th with 0.29% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1