| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +11.3% | +4.0% | +7.4 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 9.9% | 11.9% | -1.9 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.2M | $154.1M | $92.2M | $14.4M | $699K | 0.77% | 3.25% | 0.37% |
| Q1 2026 | $182.8M | $159.2M | $93.5M | $13.9M | $301K | 0.66% | 3.18% | 0.07% |
| Q4 2025 | $181.5M | $155.4M | $89.0M | $14.0M | $1.0M | 0.61% | 3.03% | 0.04% |
| Q3 2025 | $169.4M | $140.6M | $86.3M | $13.6M | $947K | 0.76% | 2.98% | 0.20% |
| Q2 2025 | $165.8M | $138.4M | $84.8M | $12.9M | $641K | 0.77% | 2.92% | 0.19% |
| Q1 2025 | $167.9M | $139.4M | $83.2M | $12.2M | $285K | 0.69% | 2.80% | 0.19% |
| Q4 2024 | $163.9M | $137.7M | $84.3M | $11.3M | $637K | 0.39% | 2.82% | 0.28% |
| Q3 2024 | $164.1M | $140.8M | $83.5M | $12.4M | $695K | 0.57% | 2.79% | 0.31% |
Loan mix (Q2 2026): real estate $76.7M · commercial $9.1M · consumer $6.6M · securities $71.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 62.9% | 73rd |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $154.1M branch deposits. Biggest market: Schoolcraft, MI, ranked 1st with 45.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schoolcraft, MI | 2 | $126.6M | 45.06% | 1st |
| Mackinac, MI | 1 | $27.5M | 5.41% | 7th |
Michigan: 167th with 0.04% ·
Branch count: 2022 4 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 1.9× the peer median on technology. 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).