| Metric | The Miners State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +4.4% | -9.0 pts |
| Deposit growth (YoY) | -6.0% | +4.0% | -10.0 pts |
| Loan growth (YoY) | -5.4% | +5.6% | -11.0 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 9.4% | 11.9% | -2.4 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.8M | $117.6M | $85.5M | $15.5M | $728K | 1.05% | 4.25% | 0.23% |
| Q1 2026 | $141.3M | $124.3M | $87.3M | $15.4M | $423K | 1.20% | 4.15% | 0.33% |
| Q4 2025 | $141.2M | $124.0M | $88.2M | $15.4M | $1.2M | 0.87% | 3.94% | 0.53% |
| Q3 2025 | $144.8M | $127.7M | $90.7M | $15.4M | $949K | 0.89% | 3.85% | 0.65% |
| Q2 2025 | $141.3M | $125.1M | $90.4M | $14.6M | $481K | 0.68% | 3.71% | 0.53% |
| Q1 2025 | $141.8M | $125.8M | $90.5M | $14.2M | $293K | 0.84% | 3.58% | 0.68% |
| Q4 2024 | $138.3M | $121.5M | $91.7M | $13.7M | $97K | 0.07% | 3.47% | 0.47% |
| Q3 2024 | $144.0M | $127.7M | $94.1M | $14.4M | $37K | 0.04% | 3.44% | 0.77% |
Loan mix (Q2 2026): real estate $79.6M · commercial $5.5M · consumer $1.0M · securities $36.8M
| Ratio | The Miners State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | 71st |
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 | The Miners State Bank | 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 | The Miners State Bank | 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 | The Miners State Bank | 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 | The Miners State Bank | 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 | The Miners State Bank | 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.
The Miners State Bank is in an open deal as the acquirer: The Miners State Bank: merger application (approved, filed Feb 20, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 31, 2026 | Acquirer | — | Merger | Approved | FDIC |
5 branches in 3 counties across 1 state (+0 vs 2025) · $117.6M branch deposits. Biggest market: Iron, MI, ranked 3rd with 13.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iron, MI | 1 | $63.5M | 13.12% | 3rd |
| Houghton, MI | 3 | $33.5M | 2.89% | 8th |
| Ontonagon, MI | 1 | $20.6M | 10.03% | 3rd |
Michigan: 191st with 0.03% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5