| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.2% | +4.4% | -14.5 pts |
| Deposit growth (YoY) | -9.2% | +4.0% | -13.2 pts |
| Loan growth (YoY) | -9.7% | +5.6% | -15.3 pts |
| ROA | 0.49% | 1.24% | -0.7 pts |
| ROE | 2.0% | 11.9% | -9.9 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.9M | $80.6M | $95.3M | $29.8M | $291K | 0.49% | 4.00% | 0.49% |
| Q1 2026 | $118.6M | $87.3M | $94.9M | $29.7M | $225K | 0.74% | 3.98% | 0.50% |
| Q4 2025 | $125.7M | $94.2M | $95.1M | $29.5M | $378K | 0.31% | 3.91% | 0.47% |
| Q3 2025 | $129.9M | $95.4M | $105.4M | $29.7M | $603K | 0.67% | 3.88% | 0.47% |
| Q2 2025 | $124.6M | $88.7M | $105.5M | $29.5M | $387K | 0.66% | 3.99% | 0.58% |
| Q1 2025 | $115.4M | $79.0M | $102.1M | $29.3M | $180K | 0.64% | 4.04% | 0.63% |
| Q4 2024 | $111.1M | $76.7M | $97.0M | $29.1M | $282K | 0.26% | 4.06% | 0.66% |
| Q3 2024 | $111.3M | $76.4M | $95.5M | $29.3M | $494K | 0.60% | 4.11% | 0.54% |
Loan mix (Q2 2026): real estate $96.6M · commercial $0 · consumer $78K · securities $0
| Ratio | Central Savings, f.s.b. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 62.9% | 86th |
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 Savings, f.s.b. | 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 Savings, f.s.b. | 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 | Central Savings, f.s.b. | 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 Savings, f.s.b. | 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 Savings, f.s.b. | 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.
2 branches in 1 county across 1 state (+0 vs 2025) · $80.6M branch deposits. Biggest market: Cook, IL, ranked 104th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $80.6M | 0.02% | 104th |
Illinois: 380th with 0.01% · Chicago-Naperville-Elgin metro: 165th, 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (18 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).