| Metric | Apple River State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| Loan growth (YoY) | +6.6% | +5.3% | +1.3 pts |
| ROA | 1.57% | 1.28% | +0.3 pts |
| ROE | 19.8% | 12.5% | +7.3 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $675.2M | $548.3M | $394.3M | $52.6M | $5.1M | 1.57% | 3.27% | 0.14% |
| Q1 2026 | $630.2M | $505.2M | $389.2M | $51.4M | $2.4M | 1.52% | 3.24% | 0.14% |
| Q4 2025 | $638.6M | $520.9M | $387.2M | $50.0M | $8.4M | 1.33% | 3.04% | 0.14% |
| Q3 2025 | $637.6M | $516.0M | $379.8M | $48.8M | $6.2M | 1.32% | 2.98% | 0.07% |
| Q2 2025 | $630.4M | $514.6M | $369.8M | $43.5M | $4.0M | 1.28% | 2.92% | 0.07% |
| Q1 2025 | $611.4M | $489.4M | $365.1M | $41.9M | $1.9M | 1.21% | 2.83% | 0.06% |
| Q4 2024 | $616.8M | $502.9M | $360.6M | $38.2M | $5.4M | 0.93% | 2.60% | 0.05% |
| Q3 2024 | $593.5M | $475.2M | $342.7M | $41.8M | $3.8M | 0.88% | 2.54% | 0.06% |
Loan mix (Q2 2026): real estate $303.7M · commercial $37.2M · consumer $11.5M · securities $200.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Apple River State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 12.5% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 61.1% | 28th |
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 | Apple River State 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 | Apple River State 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 | Apple River State 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 | Apple River State 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 | Apple River State 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.
8 branches in 3 counties across 2 states (+0 vs 2025) · $548.3M branch deposits. Biggest market: Jo Daviess, IL, ranked 1st with 49.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jo Daviess, IL | 6 | $502.1M | 49.30% | 1st |
| Grant, WI | 1 | $25.8M | 1.38% | 12th |
| Lafayette, WI | 1 | $20.4M | 4.14% | 6th |
Illinois: 131st with 0.06% · Wisconsin: 248th with 0.02% ·
Branch count: 2022 7 · 2023 7 · 2024 8 · 2025 8 · 2026 8
Technology spend up 46% 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).