| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +9.7% | +4.0% | +5.8 pts |
| Loan growth (YoY) | +10.5% | +5.6% | +4.9 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 16.2% | 11.9% | +4.4 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.0M | $261.7M | $241.8M | $30.0M | $2.3M | 1.60% | 4.16% | 1.36% |
| Q1 2026 | $285.5M | $245.5M | $236.7M | $28.7M | $1.1M | 1.51% | 4.01% | 1.55% |
| Q4 2025 | $285.6M | $246.6M | $229.0M | $27.6M | $3.1M | 1.12% | 3.92% | 1.62% |
| Q3 2025 | $280.5M | $242.6M | $223.5M | $26.6M | $2.1M | 1.03% | 3.88% | 1.38% |
| Q2 2025 | $275.7M | $238.5M | $218.9M | $26.0M | $1.5M | 1.14% | 3.81% | 1.61% |
| Q1 2025 | $263.2M | $227.1M | $208.8M | $25.0M | $613K | 0.94% | 3.71% | 1.40% |
| Q4 2024 | $256.5M | $221.2M | $203.0M | $24.3M | $2.6M | 1.09% | 3.86% | 1.19% |
| Q3 2024 | $239.5M | $204.4M | $190.4M | $23.7M | $1.8M | 1.06% | 3.83% | 1.21% |
Loan mix (Q2 2026): real estate $230.0M · commercial $7.4M · consumer $6.6M · securities $5.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 62.9% | 16th |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $261.7M branch deposits. Biggest market: Lawrence, IN, ranked 1st with 30.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lawrence, IN | 2 | $261.7M | 30.27% | 1st |
Indiana: 110th with 0.10% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (27 bps of assets, 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).