| Metric | Bank of Rantoul | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.0 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $285.8M | $223.3M | $94.4M | $27.5M | $2.1M | 1.52% | 3.14% | 0.00% |
| Q1 2026 | $283.6M | $225.2M | $100.7M | $26.4M | $1.3M | 1.93% | 3.15% | 0.00% |
| Q4 2025 | $268.2M | $221.1M | $105.1M | $27.2M | $4.8M | 1.85% | 3.41% | 0.00% |
| Q3 2025 | $254.9M | $204.8M | $102.5M | $25.7M | $3.6M | 1.88% | 3.39% | 0.00% |
| Q2 2025 | $258.5M | $203.1M | $94.9M | $23.6M | $2.5M | 1.92% | 3.39% | 0.00% |
| Q1 2025 | $262.8M | $205.6M | $96.3M | $23.8M | $1.3M | 2.00% | 3.42% | 0.65% |
| Q4 2024 | $248.9M | $207.4M | $107.5M | $23.1M | $4.2M | 1.70% | 3.44% | 0.82% |
| Q3 2024 | $254.8M | $205.7M | $102.4M | $24.4M | $3.3M | 1.79% | 3.43% | 0.86% |
Loan mix (Q2 2026): real estate $52.6M · commercial $19.4M · consumer $1.6M · securities $150.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Rantoul | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 62.9% | 22th |
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 Rantoul | 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 Rantoul | 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 Rantoul | 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 Rantoul | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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