| Metric | Better Banks | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 14.1% | 11.9% | +2.3 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.8M | $407.0M | $296.5M | $35.5M | $2.5M | 1.14% | 3.88% | 1.14% |
| Q1 2026 | $425.9M | $388.4M | $288.2M | $34.4M | $1.3M | 1.22% | 3.89% | 0.96% |
| Q4 2025 | $433.2M | $394.8M | $287.7M | $35.0M | $4.1M | 0.95% | 3.52% | 1.03% |
| Q3 2025 | $438.5M | $401.8M | $288.5M | $33.3M | $3.0M | 0.92% | 3.44% | 1.11% |
| Q2 2025 | $427.4M | $392.7M | $286.8M | $31.5M | $2.0M | 0.91% | 3.34% | 1.28% |
| Q1 2025 | $431.4M | $397.5M | $283.1M | $30.6M | $985K | 0.90% | 3.25% | 1.22% |
| Q4 2024 | $443.3M | $409.9M | $287.0M | $30.2M | $3.7M | 0.81% | 3.07% | 1.20% |
| Q3 2024 | $445.8M | $411.6M | $285.1M | $30.8M | $2.4M | 0.70% | 3.03% | 1.20% |
Loan mix (Q2 2026): real estate $152.5M · commercial $16.5M · consumer $117.9M · securities $112.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Better Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 62.9% | 72nd |
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 | Better Banks | 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 | Better Banks | 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 | Better Banks | 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 | Better Banks | 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 | Better Banks | 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.
10 branches in 4 counties across 1 state (+0 vs 2024) · $392.7M branch deposits. Biggest market: Peoria, IL, ranked 7th with 5.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Peoria, IL | 7 | $334.0M | 5.03% | 7th |
| Stark, IL | 1 | $24.4M | 7.64% | 4th |
| Fulton, IL | 1 | $20.0M | 1.68% | 11th |
| 1 more county with Pro → | ||||
Illinois: 157th with 0.05% · Peoria metro: 8th, 2.80% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10