| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -2.9% | +2.5% | -5.4 pts |
| Loan growth (YoY) | +11.3% | +2.6% | +8.7 pts |
| ROA | -0.49% | 0.99% | -1.5 pts |
| ROE | -5.1% | 8.1% | -13.1 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.2M | $31.8M | $17.1M | $3.5M | $-92K | -0.49% | 3.90% | 0.15% |
| Q1 2026 | $38.4M | $33.8M | $16.6M | $3.6M | $-68K | -0.72% | 3.85% | 0.41% |
| Q4 2025 | $37.4M | $32.6M | $16.6M | $3.8M | $58K | 0.15% | 3.65% | 0.74% |
| Q3 2025 | $36.9M | $32.9M | $15.1M | $3.1M | $29K | 0.10% | 3.59% | 0.76% |
| Q2 2025 | $36.4M | $32.8M | $15.4M | $2.7M | $39K | 0.20% | 3.54% | 0.65% |
| Q1 2025 | $40.5M | $36.5M | $16.3M | $2.9M | $7K | 0.07% | 3.46% | 0.34% |
| Q4 2024 | $40.3M | $36.5M | $17.3M | $2.6M | $124K | 0.31% | 3.74% | 0.29% |
| Q3 2024 | $42.5M | $35.1M | $18.2M | $3.2M | $127K | 0.42% | 3.88% | 0.23% |
Loan mix (Q2 2026): real estate $12.9M · commercial $2.4M · consumer $292K · securities $12.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.49% | 0.99% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.1% | 8.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.5% | 70.8% | 90th |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $31.8M branch deposits. Biggest market: Livingston, IL, ranked 12th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Livingston, IL | 1 | $20.3M | 1.31% | 12th |
| McLean, IL | 1 | $11.5M | 0.10% | 32nd |
Illinois: 462nd with 0.00% · Bloomington metro: 32nd, 0.10% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (31 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).