| Metric | Eagle Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +15.7% | +5.6% | +10.1 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $229.6M | $203.0M | $189.4M | $23.6M | $1.8M | 1.60% | 4.57% | 0.50% |
| Q1 2026 | $229.7M | $203.6M | $178.5M | $23.7M | $899K | 1.60% | 4.58% | 0.28% |
| Q4 2025 | $219.1M | $193.3M | $167.5M | $23.5M | $2.3M | 1.50% | 4.11% | 1.03% |
| Q3 2025 | $212.3M | $186.7M | $169.6M | $22.6M | $1.4M | 1.33% | 3.39% | 0.39% |
| Q2 2025 | $213.5M | $187.7M | $163.7M | $22.0M | $287K | 0.51% | 1.88% | 0.85% |
| Q1 2025 | $61.5M | $52.9M | $33.2M | $7.5M | $30K | 0.19% | 3.01% | 0.52% |
| Q4 2024 | $65.1M | $56.5M | $32.8M | $7.5M | $246K | 0.40% | 3.45% | 0.48% |
| Q3 2024 | $60.1M | $51.1M | $37.2M | $7.9M | $173K | 0.38% | 3.53% | 0.78% |
Loan mix (Q2 2026): real estate $150.4M · commercial $12.2M · consumer $12.6M · securities $27.8M
| Ratio | Eagle Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | 56th |
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 | Eagle Valley 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 | Eagle Valley 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 | Eagle Valley 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 | Eagle Valley 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 | Eagle Valley 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.
5 branches in 4 counties across 1 state (+0 vs 2025) · $203.0M branch deposits. Biggest market: Pike, IL, ranked 3rd with 16.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pike, IL | 2 | $111.7M | 16.89% | 3rd |
| Scott, IL | 1 | $45.7M | 27.25% | 2nd |
| Brown, IL | 1 | $35.0M | 15.40% | 3rd |
| 1 more county with Pro → | ||||
Illinois: 253rd with 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 5 · 2026 5
Technology spend in line with peers (28 bps of assets, 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).