| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.6 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 0.06% | 1.24% | -1.2 pts |
| ROE | 0.6% | 11.9% | -11.3 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $194.6M | $171.6M | $136.8M | $19.0M | $57K | 0.06% | 2.75% | 0.46% |
| Q1 2026 | $193.0M | $169.8M | $135.9M | $19.0M | $-26K | -0.05% | 2.72% | 0.48% |
| Q4 2025 | $193.8M | $170.2M | $137.9M | $19.0M | $-55K | -0.03% | 2.62% | 0.49% |
| Q3 2025 | $192.6M | $168.7M | $137.1M | $18.8M | $-89K | -0.06% | 2.57% | 0.55% |
| Q2 2025 | $197.0M | $169.1M | $132.4M | $18.6M | $-112K | -0.11% | 2.48% | 0.55% |
| Q1 2025 | $194.0M | $165.8M | $130.7M | $18.5M | $-109K | -0.22% | 2.45% | 0.58% |
| Q4 2024 | $195.0M | $166.5M | $127.8M | $18.3M | $-97K | -0.05% | 2.46% | 0.52% |
| Q3 2024 | $193.0M | $163.1M | $131.9M | $18.7M | $4K | 0.00% | 2.49% | 0.65% |
Loan mix (Q2 2026): real estate $138.2M · commercial $0 · consumer $111K · securities $28.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 62.9% | 97th |
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.
3 branches in 1 county across 1 state (+0 vs 2024) · $169.1M branch deposits. Biggest market: Cook, IL, ranked 82nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 3 | $169.1M | 0.04% | 82nd |
Illinois: 280th with 0.02% · Chicago-Naperville-Elgin metro: 130th, 0.03% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3