| Metric | Bank of Elgin | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +3.0% | +7.3 pts |
| Deposit growth (YoY) | +13.4% | +2.5% | +10.9 pts |
| Loan growth (YoY) | +5.5% | +2.6% | +2.9 pts |
| ROA | 2.34% | 0.99% | +1.3 pts |
| ROE | 16.8% | 8.1% | +8.7 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.3M | $74.7M | $57.3M | $12.1M | $1.0M | 2.34% | 4.37% | 0.00% |
| Q1 2026 | $84.0M | $72.2M | $55.1M | $11.5M | $451K | 2.12% | 4.25% | 0.00% |
| Q4 2025 | $86.4M | $73.5M | $59.5M | $12.4M | $1.8M | 2.14% | 4.32% | 0.00% |
| Q3 2025 | $80.8M | $68.2M | $55.3M | $11.8M | $1.3M | 2.13% | 4.31% | 0.00% |
| Q2 2025 | $79.2M | $65.8M | $54.3M | $11.2M | $815K | 2.00% | 4.23% | 0.00% |
| Q1 2025 | $77.5M | $64.4M | $51.2M | $10.7M | $404K | 1.95% | 4.17% | 0.00% |
| Q4 2024 | $88.1M | $69.3M | $59.3M | $11.3M | $1.7M | 2.13% | 3.91% | 0.00% |
| Q3 2024 | $80.1M | $64.5M | $50.9M | $11.2M | $1.3M | 2.11% | 3.86% | 0.00% |
Loan mix (Q2 2026): real estate $30.1M · commercial $2.9M · consumer $704K · securities $16.4M
| Ratio | Bank of Elgin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 0.99% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 8.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 70.8% | 6th |
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 | Bank of Elgin | 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 | Bank of Elgin | 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 | Bank of Elgin | 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 | Bank of Elgin | 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 | Bank of Elgin | 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 2024) · $65.8M branch deposits. Biggest market: Antelope, NE, ranked 3rd with 20.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Antelope, NE | 1 | $65.8M | 20.69% | 3rd |
Nebraska: 141st with 0.07% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1