| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 0.63% | 1.24% | -0.6 pts |
| ROE | 12.0% | 11.9% | +0.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $335.8M | $316.3M | $111.1M | $17.6M | $1.1M | 0.63% | 2.97% | 0.22% |
| Q1 2026 | $334.4M | $315.0M | $110.0M | $17.8M | $538K | 0.63% | 2.97% | 0.01% |
| Q4 2025 | $343.7M | $324.0M | $107.3M | $18.0M | $-25K | -0.01% | 2.24% | 0.23% |
| Q3 2025 | $364.8M | $348.2M | $102.6M | $15.4M | $181K | 0.07% | 2.09% | 0.00% |
| Q2 2025 | $321.8M | $307.2M | $103.7M | $13.3M | $-13K | -0.01% | 1.96% | 0.15% |
| Q1 2025 | $320.9M | $307.3M | $101.9M | $12.4M | $-23K | -0.03% | 1.83% | 0.12% |
| Q4 2024 | $317.3M | $305.7M | $90.7M | $10.5M | $3.6M | 1.11% | 2.07% | 0.20% |
| Q3 2024 | $357.2M | $343.9M | $88.3M | $11.9M | $3.3M | 1.34% | 1.97% | 0.16% |
Loan mix (Q2 2026): real estate $84.5M · commercial $7.8M · consumer $16.0M · securities $165.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 62.9% | 78th |
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.
7 branches in 2 counties across 1 state (+0 vs 2025) · $316.3M branch deposits. Biggest market: Mackinac, MI, ranked 1st with 52.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mackinac, MI | 6 | $268.4M | 52.82% | 1st |
| Luce, MI | 1 | $47.9M | 29.69% | 2nd |
Michigan: 119th with 0.08% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7
Technology spend in line with peers (15 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).