| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.7% | +3.0% | +13.7 pts |
| Deposit growth (YoY) | +19.6% | +2.5% | +17.1 pts |
| Loan growth (YoY) | -0.8% | +2.6% | -3.4 pts |
| ROA | 1.71% | 0.99% | +0.7 pts |
| ROE | 8.4% | 8.1% | +0.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.0M | $37.4M | $15.2M | $9.5M | $392K | 1.71% | 3.24% | 0.38% |
| Q1 2026 | $46.3M | $36.9M | $15.3M | $9.3M | $177K | 1.57% | 3.27% | 0.41% |
| Q4 2025 | $43.9M | $34.4M | $15.1M | $9.3M | $676K | 1.68% | 3.37% | 0.09% |
| Q3 2025 | $41.0M | $31.8M | $15.8M | $9.1M | $487K | 1.65% | 3.40% | 0.08% |
| Q2 2025 | $40.3M | $31.3M | $15.3M | $8.8M | $300K | 1.54% | 3.37% | 0.85% |
| Q1 2025 | $39.0M | $30.2M | $15.8M | $8.6M | $149K | 1.56% | 3.42% | 1.02% |
| Q4 2024 | $37.5M | $28.9M | $15.5M | $8.5M | $617K | 1.71% | 3.61% | 0.14% |
| Q3 2024 | $36.2M | $27.6M | $16.5M | $8.4M | $447K | 1.66% | 3.58% | 0.04% |
Loan mix (Q2 2026): real estate $11.9M · commercial $1.1M · consumer $1.8M · securities $20.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.99% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 8.1% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.5% | 70.8% | 6th |
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 2024) · $31.3M branch deposits. Biggest market: Polk, MN, ranked 9th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Polk, MN | 1 | $31.3M | 2.92% | 9th |
Minnesota: 329th with 0.01% · Grand Forks metro: 20th, 0.70% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1