| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.8% | +4.4% | -18.2 pts |
| Deposit growth (YoY) | -16.2% | +4.0% | -20.2 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 2.33% | 1.24% | +1.1 pts |
| ROE | 19.4% | 11.9% | +7.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.1M | $99.8M | $40.5M | $14.0M | $1.3M | 2.33% | 4.31% | 0.63% |
| Q1 2026 | $111.4M | $97.6M | $35.2M | $13.6M | $525K | 1.84% | 4.16% | 0.13% |
| Q4 2025 | $117.4M | $103.6M | $36.3M | $13.6M | $3.5M | 2.79% | 4.84% | 0.00% |
| Q3 2025 | $119.4M | $105.9M | $36.5M | $13.3M | $2.7M | 2.85% | 4.88% | 0.00% |
| Q2 2025 | $132.4M | $119.2M | $39.3M | $13.0M | $1.9M | 2.90% | 4.89% | 0.02% |
| Q1 2025 | $135.0M | $122.6M | $36.8M | $12.1M | $736K | 2.26% | 4.61% | 0.00% |
| Q4 2024 | $125.6M | $113.5M | $36.7M | $11.8M | $5.2M | 3.56% | 5.20% | 0.00% |
| Q3 2024 | $150.3M | $138.5M | $37.0M | $11.5M | $4.0M | 3.56% | 5.13% | 0.34% |
Loan mix (Q2 2026): real estate $12.0M · commercial $15.6M · consumer $3.5M · securities $16.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 1.24% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 62.9% | 13th |
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 2025) · $99.8M branch deposits. Biggest market: Rolette, ND, ranked 2nd with 22.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rolette, ND | 1 | $99.8M | 22.86% | 2nd |
North Dakota: 65th with 0.21% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend down 45% in 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).