| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.0% | +3.7 pts |
| Deposit growth (YoY) | +5.4% | +2.5% | +2.9 pts |
| Loan growth (YoY) | +16.0% | +2.6% | +13.4 pts |
| ROA | 0.47% | 0.99% | -0.5 pts |
| ROE | 5.9% | 8.1% | -2.2 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.9M | $52.0M | $22.2M | $4.6M | $134K | 0.47% | 4.43% | 0.30% |
| Q1 2026 | $57.9M | $53.1M | $22.1M | $4.5M | $50K | 0.35% | 4.42% | 0.06% |
| Q4 2025 | $57.5M | $52.7M | $24.2M | $4.6M | $273K | 0.49% | 4.41% | 0.15% |
| Q3 2025 | $54.7M | $50.1M | $20.5M | $4.3M | $171K | 0.41% | 4.46% | 0.09% |
| Q2 2025 | $53.3M | $49.4M | $19.2M | $3.7M | $155K | 0.56% | 4.59% | 0.07% |
| Q1 2025 | $57.2M | $53.2M | $22.5M | $3.8M | $106K | 0.74% | 4.72% | 0.00% |
| Q4 2024 | $56.7M | $52.7M | $22.9M | $3.9M | $486K | 0.88% | 4.36% | 0.00% |
| Q3 2024 | $53.0M | $48.0M | $22.4M | $4.3M | $390K | 0.94% | 4.40% | 0.06% |
Loan mix (Q2 2026): real estate $10.4M · commercial $2.6M · consumer $722K · securities $21.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.99% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 70.8% | 78th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $49.4M branch deposits. Biggest market: Iroquois, IL, ranked 6th with 5.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iroquois, IL | 1 | $49.4M | 5.66% | 6th |
Illinois: 427th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1