| Metric | Du Quoin State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.1 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.5 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 24.9% | 11.9% | +13.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.2M | $136.3M | $46.7M | $6.0M | $657K | 0.92% | 3.27% | 0.00% |
| Q1 2026 | $143.2M | $133.1M | $46.4M | $4.1M | $341K | 0.97% | 3.26% | 0.00% |
| Q4 2025 | $138.5M | $126.9M | $46.3M | $5.7M | $1.2M | 0.90% | 3.29% | 0.03% |
| Q3 2025 | $134.4M | $123.1M | $45.8M | $4.9M | $1.1M | 1.04% | 3.31% | 0.03% |
| Q2 2025 | $133.1M | $124.6M | $43.0M | $2.0M | $692K | 1.02% | 3.36% | 0.03% |
| Q1 2025 | $140.8M | $131.9M | $41.4M | $2.5M | $310K | 0.91% | 3.29% | 0.44% |
| Q4 2024 | $131.7M | $122.3M | $42.4M | $2.9M | $1.3M | 0.95% | 3.49% | 0.48% |
| Q3 2024 | $136.7M | $124.2M | $40.9M | $5.5M | $886K | 0.89% | 3.50% | 0.45% |
Loan mix (Q2 2026): real estate $40.0M · commercial $3.5M · consumer $3.0M · securities $89.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 24.9% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 62.9% | 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 | Du Quoin 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 | Du Quoin 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 | Du Quoin 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 | Du Quoin 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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