| Metric | Country Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.0% | +4.9 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 24.71% | 0.99% | +23.7 pts |
| ROE | 29.5% | 8.1% | +21.4 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.3M | $798K | $0 | $36.2M | $5.0M | 24.71% | 4.38% | 0.00% |
| Q1 2026 | $40.3M | $791K | $0 | $33.3M | $1.9M | 19.97% | 4.21% | 0.00% |
| Q4 2025 | $37.8M | $784K | $0 | $31.4M | $8.7M | 22.85% | 4.56% | 0.00% |
| Q3 2025 | $38.8M | $776K | $0 | $31.9M | $7.3M | 25.67% | 4.56% | 0.00% |
| Q2 2025 | $39.2M | $768K | $0 | $32.3M | $6.3M | 33.50% | 4.64% | 0.00% |
| Q1 2025 | $39.7M | $760K | $0 | $32.2M | $2.5M | 26.55% | 4.22% | 0.00% |
| Q4 2024 | $34.5M | $752K | $0 | $30.2M | $7.6M | 21.74% | 4.71% | 0.00% |
| Q3 2024 | $36.4M | $743K | $0 | $31.5M | $6.2M | 23.79% | 4.72% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $27.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Country Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 24.71% | 0.99% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 29.5% | 8.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 70.8% | 76th |
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 | Country Trust 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 | Country Trust 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 | Country Trust 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 | Country Trust 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 | Country Trust Bank | 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) · $768K branch deposits. Biggest market: McLean, IL, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLean, IL | 1 | $768K | 0.01% | 36th |
Illinois: 583rd with 0.00% · Bloomington metro: 36th, 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1