| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +3.0% | +7.3 pts |
| Deposit growth (YoY) | +7.4% | +2.5% | +4.9 pts |
| Loan growth (YoY) | +25.8% | +2.6% | +23.2 pts |
| ROA | 0.35% | 0.99% | -0.6 pts |
| ROE | 4.5% | 8.1% | -3.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.3M | $35.3M | $27.5M | $3.0M | $66K | 0.35% | 4.17% | 0.60% |
| Q1 2026 | $36.2M | $33.1M | $24.7M | $2.9M | $8K | 0.09% | 4.17% | 0.08% |
| Q4 2025 | $37.3M | $31.2M | $25.1M | $2.9M | $193K | 0.53% | 4.08% | 0.06% |
| Q3 2025 | $37.5M | $32.5M | $22.7M | $2.9M | $185K | 0.68% | 4.07% | 0.12% |
| Q2 2025 | $36.5M | $32.9M | $21.9M | $2.7M | $82K | 0.46% | 3.99% | 0.35% |
| Q1 2025 | $35.9M | $33.1M | $20.8M | $2.6M | $-8K | -0.09% | 3.81% | 0.21% |
| Q4 2024 | $35.4M | $31.0M | $22.2M | $2.5M | $199K | 0.53% | 3.37% | 0.11% |
| Q3 2024 | $38.2M | $31.8M | $22.7M | $2.4M | $106K | 0.37% | 3.28% | 0.19% |
Loan mix (Q2 2026): real estate $12.3M · commercial $4.6M · consumer $4.1M · securities $5.6M
| Ratio | Corn Growers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.99% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 8.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 70.8% | 80th |
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 | Corn Growers State Bank | 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 | Corn Growers State Bank | 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 | Corn Growers State Bank | 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 | Corn Growers State Bank | 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 | Corn Growers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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