| Metric | Central Bank Illinois | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +10.2% | +5.1% | +5.2 pts |
| Loan growth (YoY) | +4.9% | +5.9% | -1.0 pts |
| ROA | 0.98% | 1.26% | -0.3 pts |
| ROE | 9.5% | 12.2% | -2.7 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.46B | $1.12B | $999.1M | $152.0M | $7.1M | 0.98% | 3.68% | 1.60% |
| Q1 2026 | $1.47B | $1.09B | $948.7M | $148.1M | $2.1M | 0.57% | 3.63% | 1.18% |
| Q4 2025 | $1.42B | $1.04B | $983.4M | $147.6M | $16.6M | 1.18% | 3.66% | 0.88% |
| Q3 2025 | $1.41B | $1.04B | $958.8M | $143.9M | $12.4M | 1.18% | 3.62% | 0.28% |
| Q2 2025 | $1.38B | $1.01B | $952.1M | $136.3M | $7.3M | 1.04% | 3.56% | 0.30% |
| Q1 2025 | $1.39B | $1.03B | $944.0M | $131.7M | $3.1M | 0.88% | 3.50% | 0.30% |
| Q4 2024 | $1.41B | $1.05B | $935.9M | $126.4M | $16.3M | 1.19% | 3.46% | 0.13% |
| Q3 2024 | $1.39B | $1.03B | $924.5M | $130.8M | $11.8M | 1.16% | 3.44% | 0.18% |
Loan mix (Q2 2026): real estate $858.5M · commercial $78.4M · consumer $4.9M · securities $329.7M
| Ratio | Central Bank Illinois | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 59.0% | 25th |
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 | Central Bank Illinois | 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 | Central Bank Illinois | 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 | Central Bank Illinois | 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 | Central Bank Illinois | 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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