| Metric | Dewey Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.0% | -0.9 pts |
| Deposit growth (YoY) | -3.1% | +2.5% | -5.6 pts |
| Loan growth (YoY) | +2.4% | +2.6% | -0.2 pts |
| ROA | 1.62% | 0.99% | +0.6 pts |
| ROE | 12.7% | 8.1% | +4.6 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.3M | $25.3M | $21.8M | $4.0M | $247K | 1.62% | 5.17% | 0.05% |
| Q1 2026 | $30.3M | $26.3M | $22.0M | $3.9M | $123K | 1.61% | 5.10% | 0.00% |
| Q4 2025 | $30.9M | $26.0M | $22.5M | $3.8M | $383K | 1.26% | 4.92% | 0.00% |
| Q3 2025 | $31.6M | $27.7M | $22.3M | $3.8M | $310K | 1.37% | 4.82% | 0.00% |
| Q2 2025 | $29.7M | $26.1M | $21.3M | $3.6M | $185K | 1.24% | 4.74% | 0.00% |
| Q1 2025 | $31.3M | $27.8M | $20.7M | $3.5M | $84K | 1.13% | 4.60% | 0.00% |
| Q4 2024 | $28.4M | $24.7M | $20.3M | $3.4M | $274K | 0.96% | 4.52% | 0.00% |
| Q3 2024 | $28.7M | $25.3M | $20.0M | $3.4M | $216K | 1.01% | 4.39% | 0.00% |
Loan mix (Q2 2026): real estate $12.2M · commercial $4.5M · consumer $915K · securities $4.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Dewey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.99% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 8.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 70.8% | 43rd |
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 | Dewey 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 | Dewey 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 | Dewey 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 | Dewey 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 | Dewey 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 2025) · $25.3M branch deposits. Biggest market: Champaign, IL, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Champaign, IL | 1 | $25.3M | 0.31% | 28th |
Illinois: 475th with 0.00% · Champaign-Urbana metro: 34th, 0.27% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 1.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).