| Metric | Camp Grove State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +3.0% | -11.9 pts |
| Deposit growth (YoY) | -16.1% | +2.5% | -18.6 pts |
| Loan growth (YoY) | +37.1% | +2.6% | +34.5 pts |
| ROA | -0.65% | 0.99% | -1.6 pts |
| ROE | -5.8% | 8.1% | -13.8 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.1M | $37.6M | $17.3M | $6.1M | $-179K | -0.65% | 2.97% | 0.02% |
| Q1 2026 | $53.8M | $38.2M | $15.0M | $6.2M | $-100K | -0.72% | 2.88% | 0.03% |
| Q4 2025 | $57.6M | $42.1M | $15.4M | $6.3M | $54K | 0.09% | 2.84% | 0.03% |
| Q3 2025 | $58.5M | $43.1M | $14.4M | $6.2M | $78K | 0.18% | 2.81% | 0.03% |
| Q2 2025 | $58.3M | $44.9M | $12.6M | $6.2M | $54K | 0.18% | 2.79% | 0.03% |
| Q1 2025 | $59.5M | $46.0M | $11.7M | $6.2M | $53K | 0.35% | 2.68% | 0.03% |
| Q4 2024 | $61.0M | $47.8M | $12.2M | $5.9M | $111K | 0.18% | 2.58% | 0.03% |
| Q3 2024 | $65.4M | $51.9M | $11.9M | $6.3M | $107K | 0.23% | 2.47% | 0.03% |
Loan mix (Q2 2026): real estate $10.4M · commercial $5.8M · consumer $262K · securities $28.8M
| Ratio | Camp Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.65% | 0.99% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -5.8% | 8.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.4% | 70.8% | 94th |
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 | Camp Grove State Bank | 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 | Camp Grove State Bank | 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 | Camp Grove State Bank | 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 | Camp Grove State Bank | 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 | Camp Grove State Bank | 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) · $44.9M branch deposits. Biggest market: Marshall, IL, ranked 4th with 12.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, IL | 1 | $44.9M | 12.00% | 4th |
Illinois: 434th with 0.01% · Peoria metro: 28th, 0.34% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1