| Metric | DeWitt Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +4.4% | +6.3 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 0.59% | 1.24% | -0.6 pts |
| ROE | 6.8% | 11.9% | -5.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.2M | $141.1M | $83.5M | $16.2M | $510K | 0.59% | 2.88% | 0.59% |
| Q1 2026 | $171.2M | $155.9M | $84.6M | $14.2M | $207K | 0.48% | 2.71% | 0.46% |
| Q4 2025 | $174.2M | $148.5M | $87.2M | $14.7M | $437K | 0.28% | 2.78% | 0.63% |
| Q3 2025 | $172.5M | $150.7M | $88.6M | $13.8M | $299K | 0.26% | 2.71% | 0.44% |
| Q2 2025 | $156.5M | $135.7M | $79.5M | $12.0M | $114K | 0.15% | 2.81% | 0.52% |
| Q1 2025 | $147.4M | $128.3M | $80.9M | $12.9M | $54K | 0.15% | 2.91% | 0.41% |
| Q4 2024 | $140.9M | $122.2M | $82.7M | $12.5M | $125K | 0.09% | 2.43% | 0.50% |
| Q3 2024 | $142.2M | $119.8M | $83.8M | $13.5M | $-14K | -0.01% | 2.41% | 0.43% |
Loan mix (Q2 2026): real estate $50.3M · commercial $1.2M · consumer $32.5M · securities $76.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | DeWitt Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 11.9% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 62.9% | 83rd |
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 | DeWitt Savings 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 | DeWitt Savings 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 | DeWitt Savings 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 | DeWitt Savings 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 | DeWitt Savings 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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $141.1M branch deposits. Biggest market: De Witt, IL, ranked 3rd with 22.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| De Witt, IL | 1 | $122.6M | 22.17% | 3rd |
| Shelby, IL | 1 | $18.5M | 2.75% | 7th |
Illinois: 315th with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend down 22% in 2025. 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).