| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 15.3% | 11.9% | +3.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.6M | $88.9M | $53.1M | $14.5M | $1.1M | 2.14% | 3.95% | 0.00% |
| Q1 2026 | $100.1M | $85.7M | $51.2M | $14.3M | $593K | 2.32% | 3.98% | 0.00% |
| Q4 2025 | $104.0M | $89.6M | $51.7M | $14.2M | $2.1M | 2.13% | 3.96% | 0.00% |
| Q3 2025 | $98.3M | $83.9M | $50.8M | $14.2M | $1.6M | 2.18% | 3.94% | 0.00% |
| Q2 2025 | $100.7M | $86.7M | $48.7M | $13.9M | $1.0M | 2.10% | 3.86% | 0.00% |
| Q1 2025 | $98.0M | $84.3M | $46.9M | $13.6M | $516K | 2.09% | 3.82% | 0.00% |
| Q4 2024 | $99.6M | $86.1M | $47.7M | $13.3M | $1.5M | 1.58% | 3.44% | 0.00% |
| Q3 2024 | $98.9M | $85.7M | $45.4M | $13.0M | $1.0M | 1.43% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $40.6M · commercial $5.2M · consumer $278K · securities $28.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 62.9% | 11th |
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) · $86.7M branch deposits. Biggest market: Portage, WI, ranked 14th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Portage, WI | 1 | $86.7M | 3.21% | 14th |
Wisconsin: 214th with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1