| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.4 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 8.8% | 11.9% | -3.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $348.5M | $283.9M | $223.0M | $60.4M | $2.6M | 1.51% | 3.95% | 0.35% |
| Q1 2026 | $353.4M | $289.4M | $223.1M | $60.0M | $1.3M | 1.46% | 3.86% | 0.37% |
| Q4 2025 | $345.7M | $282.9M | $228.3M | $58.6M | $4.3M | 1.25% | 3.59% | 0.34% |
| Q3 2025 | $350.8M | $287.1M | $225.3M | $59.5M | $3.3M | 1.27% | 3.51% | 0.35% |
| Q2 2025 | $346.9M | $285.6M | $222.6M | $57.0M | $2.1M | 1.23% | 3.45% | 0.32% |
| Q1 2025 | $346.9M | $286.4M | $222.3M | $56.6M | $1.0M | 1.20% | 3.41% | 0.29% |
| Q4 2024 | $346.4M | $287.3M | $231.5M | $55.1M | $3.3M | 0.97% | 3.16% | 0.23% |
| Q3 2024 | $348.4M | $282.5M | $229.0M | $56.8M | $2.5M | 0.97% | 3.10% | 0.27% |
Loan mix (Q2 2026): real estate $154.2M · commercial $28.1M · consumer $13.9M · securities $94.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 62.9% | 16th |
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.
5 branches in 5 counties across 1 state (+0 vs 2024) · $285.6M branch deposits. Biggest market: Edwards, IL, ranked 1st with 90.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Edwards, IL | 1 | $170.5M | 90.78% | 1st |
| Richland, IL | 1 | $41.5M | 6.95% | 4th |
| Lawrence, IL | 1 | $30.5M | 9.44% | 3rd |
| 2 more counties with Pro → | ||||
Illinois: 200th with 0.04% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5