| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.0% | +0.5 pts |
| Deposit growth (YoY) | +3.8% | +2.5% | +1.3 pts |
| Loan growth (YoY) | +8.2% | +2.6% | +5.6 pts |
| ROA | 0.52% | 0.99% | -0.5 pts |
| ROE | 3.3% | 8.1% | -4.8 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.6M | $78.3M | $30.3M | $15.0M | $246K | 0.52% | 2.54% | 0.00% |
| Q1 2026 | $96.6M | $79.5M | $30.9M | $14.8M | $110K | 0.46% | 2.40% | 0.00% |
| Q4 2025 | $93.3M | $76.3M | $32.4M | $14.7M | $208K | 0.23% | 2.03% | 0.00% |
| Q3 2025 | $91.4M | $74.4M | $29.6M | $14.7M | $179K | 0.26% | 1.94% | 0.00% |
| Q2 2025 | $92.4M | $75.5M | $28.1M | $14.5M | $103K | 0.22% | 1.94% | 0.00% |
| Q1 2025 | $92.9M | $76.2M | $28.7M | $14.4M | $40K | 0.17% | 1.95% | 0.00% |
| Q4 2024 | $90.4M | $73.0M | $31.6M | $14.3M | $-64K | -0.07% | 1.57% | 0.00% |
| Q3 2024 | $92.6M | $70.1M | $28.5M | $15.2M | $-130K | -0.18% | 1.58% | 0.00% |
Loan mix (Q2 2026): real estate $14.7M · commercial $1.7M · consumer $2.1M · securities $51.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.99% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 8.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 70.8% | 68th |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $78.3M branch deposits. Biggest market: Nemaha, NE, ranked 2nd with 21.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nemaha, NE | 2 | $78.3M | 21.32% | 2nd |
Nebraska: 139th with 0.07% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (21 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).