| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.6 pts |
| Loan growth (YoY) | +23.9% | +5.6% | +18.3 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $344.0M | $294.2M | $229.2M | $37.3M | $2.3M | 1.35% | 4.42% | 0.25% |
| Q1 2026 | $336.5M | $287.2M | $214.3M | $36.3M | $1.2M | 1.51% | 4.46% | 0.14% |
| Q4 2025 | $324.3M | $274.6M | $208.8M | $35.3M | $3.3M | 1.04% | 4.20% | 0.21% |
| Q3 2025 | $311.6M | $263.0M | $197.9M | $35.7M | $2.6M | 1.10% | 4.11% | 0.28% |
| Q2 2025 | $317.5M | $266.1M | $185.0M | $33.9M | $1.7M | 1.05% | 3.96% | 0.29% |
| Q1 2025 | $319.2M | $269.1M | $185.2M | $32.5M | $956K | 1.22% | 3.90% | 0.29% |
| Q4 2024 | $309.8M | $261.8M | $186.6M | $30.4M | $2.9M | 0.96% | 3.77% | 0.13% |
| Q3 2024 | $301.1M | $255.2M | $182.1M | $32.2M | $2.2M | 0.98% | 3.74% | 0.09% |
Loan mix (Q2 2026): real estate $186.6M · commercial $15.0M · consumer $25.1M · securities $76.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 62.9% | 43rd |
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.
8 branches in 2 counties across 1 state (+0 vs 2024) · $266.1M branch deposits. Biggest market: Randolph, IL, ranked 2nd with 21.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Randolph, IL | 6 | $235.6M | 21.80% | 2nd |
| Macon, IL | 2 | $30.5M | 0.99% | 17th |
Illinois: 219th with 0.04% · Decatur metro: 17th, 0.99% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8