| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.3% | +4.4% | +23.0 pts |
| Deposit growth (YoY) | +30.0% | +4.0% | +26.1 pts |
| Loan growth (YoY) | +20.0% | +5.6% | +14.4 pts |
| ROA | 0.61% | 1.24% | -0.6 pts |
| ROE | 4.2% | 11.9% | -7.7 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.4M | $113.3M | $88.3M | $19.8M | $414K | 0.61% | 3.00% | 0.43% |
| Q1 2026 | $136.2M | $112.7M | $89.4M | $19.7M | $205K | 0.61% | 3.08% | 0.26% |
| Q4 2025 | $132.9M | $107.9M | $88.4M | $19.5M | $697K | 0.60% | 2.60% | 0.29% |
| Q3 2025 | $132.7M | $107.9M | $88.9M | $19.3M | $631K | 0.75% | 2.43% | 0.23% |
| Q2 2025 | $106.3M | $87.2M | $73.6M | $13.8M | $119K | 0.23% | 2.38% | 0.22% |
| Q1 2025 | $105.6M | $86.0M | $70.9M | $13.6M | $44K | 0.17% | 2.24% | 0.22% |
| Q4 2024 | $102.8M | $83.3M | $70.7M | $13.5M | $244K | 0.23% | 2.18% | 0.23% |
| Q3 2024 | $104.2M | $84.4M | $70.8M | $13.6M | $159K | 0.20% | 2.15% | 0.23% |
Loan mix (Q2 2026): real estate $85.2M · commercial $699K · consumer $3.7M · securities $13.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 62.9% | 62nd |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 27, 2025 | Acquirer | Jackson FS & LA | Merger | Completed | OCC |
3 branches in 2 counties across 1 state (+1 vs 2025) · $113.3M branch deposits. Biggest market: Nobles, MN, ranked 3rd with 10.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nobles, MN | 1 | $86.2M | 10.47% | 3rd |
| Jackson, MN | 2 | $27.2M | 8.14% | 5th |
Minnesota: 227th with 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3
Technology spend up 29% 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).