| Metric | TruCommunity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 14.4% | 11.9% | +2.5 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $338.2M | $282.3M | $218.8M | $32.6M | $2.3M | 1.41% | 4.36% | 1.43% |
| Q1 2026 | $321.0M | $287.6M | $202.1M | $31.8M | $1.1M | 1.29% | 4.34% | 0.78% |
| Q4 2025 | $330.0M | $276.0M | $211.9M | $32.2M | $4.4M | 1.37% | 4.18% | 0.54% |
| Q3 2025 | $330.9M | $269.3M | $221.4M | $31.5M | $3.3M | 1.38% | 4.15% | 0.44% |
| Q2 2025 | $325.8M | $273.7M | $217.8M | $29.7M | $2.1M | 1.35% | 4.10% | 0.95% |
| Q1 2025 | $318.9M | $288.6M | $198.2M | $28.6M | $983K | 1.25% | 4.00% | 0.26% |
| Q4 2024 | $308.9M | $266.8M | $201.1M | $27.7M | $3.6M | 1.14% | 3.71% | 0.07% |
| Q3 2024 | $323.7M | $267.8M | $209.4M | $29.8M | $2.9M | 1.21% | 3.68% | 0.05% |
Loan mix (Q2 2026): real estate $115.0M · commercial $25.2M · consumer $15.5M · securities $92.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | TruCommunity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 62.9% | 42nd |
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 | TruCommunity 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 | TruCommunity 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 | TruCommunity 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 | TruCommunity 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 | TruCommunity 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.
4 branches in 1 county across 1 state (+0 vs 2025) · $282.3M branch deposits. Biggest market: McLean, ND, ranked 1st with 57.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLean, ND | 4 | $282.3M | 57.93% | 1st |
North Dakota: 36th with 0.59% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends about half what peers do 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).