Gogebic Range Bank
Ironwood, MI · Cert 57192 · Peer group: banks under $1B in assets (n=495-541)
FDIC · 4 branches
Q4 2025
$142.5MAssets
$59.3MLoans
$130.8MDeposits
$8.9MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets (rank 540 of 541).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-2.09%
Rank 526 of 541
Net Interest Margin
3.25%
Rank 308 of 541
Efficiency Ratio
153.38%
Rank 524 of 540
Equity / Assets
6.24%
Rank 523 of 541
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 3% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.09% | 0.56% | 0.97% | 1.38% | Beats 3% | 526 / 541 | | |
| Return on Equity | -33.54% | 5.68% | 9.28% | 12.43% | Beats 1% | 535 / 541 | | |
| Net Interest Margin | 3.25% | 2.87% | 3.39% | 3.85% | Beats 43% | 308 / 541 | | |
| Efficiency Ratio | 153.38% | 58.91% | 68.65% | 80.35% | Beats 3% | 524 / 540 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.35% | 0.07% | 0.34% | 1.07% | Beats 9% | 453 / 495 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.15% | 10.99% | 13.81% | 17.99% | Beats 0% | 540 / 541 | | |
| Total Risk-Based Capital Ratio | 8.15% | 11.43% | 14.30% | 18.80% | Beats 0% | 540 / 541 | | |
| Equity / Assets | 6.24% | 8.87% | 10.43% | 13.26% | Beats 3% | 523 / 541 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.35% | 65.07% | 79.29% | 92.66% | 6th pctl | 463 / 495 | | |
| Loans / Assets | 41.62% | 55.91% | 67.98% | 77.76% | 9th pctl | 451 / 495 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | | |