| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.4% | -5.4 pts |
| Deposit growth (YoY) | -1.6% | +4.0% | -5.6 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | 0.05% | 1.24% | -1.2 pts |
| ROE | 0.2% | 11.9% | -11.7 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 | $117.6M | $82.7M | $82.5M | $34.5M | $31K | 0.05% | 2.37% | 0.07% |
| Q1 2026 | $116.1M | $81.3M | $82.6M | $34.5M | $17K | 0.06% | 2.39% | 0.07% |
| Q4 2025 | $115.6M | $80.8M | $83.9M | $34.5M | $118K | 0.10% | 2.31% | 0.07% |
| Q3 2025 | $116.6M | $81.8M | $85.3M | $34.4M | $46K | 0.05% | 2.28% | 0.07% |
| Q2 2025 | $118.8M | $84.1M | $86.2M | $34.4M | $23K | 0.04% | 2.23% | 0.07% |
| Q1 2025 | $119.3M | $84.7M | $86.1M | $34.4M | $12K | 0.04% | 2.17% | 0.07% |
| Q4 2024 | $119.7M | $85.1M | $85.9M | $34.4M | $86K | 0.07% | 2.13% | 0.07% |
| Q3 2024 | $119.3M | $84.7M | $86.8M | $34.3M | $46K | 0.05% | 2.14% | 0.07% |
Loan mix (Q2 2026): real estate $83.1M · commercial $0 · consumer $6K · securities $22.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 62.9% | 98th |
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) · $84.1M branch deposits. Biggest market: Madison, IL, ranked 20th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IL | 1 | $84.1M | 0.97% | 20th |
Illinois: 376th with 0.01% · St. Louis metro: 95th, 0.06% ·
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1