| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +3.0% | -2.6 pts |
| Deposit growth (YoY) | -1.4% | +2.5% | -3.9 pts |
| Loan growth (YoY) | -4.5% | +2.6% | -7.1 pts |
| ROA | 1.70% | 0.99% | +0.7 pts |
| ROE | 17.9% | 8.1% | +9.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.5M | $77.6M | $37.3M | $8.7M | $752K | 1.70% | 3.88% | 0.00% |
| Q1 2026 | $90.2M | $81.3M | $39.5M | $8.4M | $351K | 1.56% | 3.75% | 0.00% |
| Q4 2025 | $89.4M | $80.9M | $39.8M | $8.1M | $1.3M | 1.42% | 3.68% | 0.00% |
| Q3 2025 | $85.1M | $76.9M | $39.5M | $7.9M | $938K | 1.43% | 3.63% | 0.00% |
| Q2 2025 | $86.1M | $78.7M | $39.1M | $7.3M | $637K | 1.44% | 3.54% | 0.04% |
| Q1 2025 | $89.9M | $82.2M | $40.1M | $7.2M | $306K | 1.36% | 3.38% | 0.04% |
| Q4 2024 | $89.9M | $83.0M | $42.8M | $6.5M | $1.1M | 1.28% | 3.41% | 0.04% |
| Q3 2024 | $88.0M | $80.7M | $40.1M | $7.1M | $853K | 1.27% | 3.37% | 0.04% |
Loan mix (Q2 2026): real estate $24.4M · commercial $2.7M · consumer $3.2M · securities $32.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.99% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 8.1% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 70.8% | 14th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 1 county across 1 state (+0 vs 2025) · $77.6M branch deposits. Biggest market: McDonough, IL, ranked 6th with 8.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McDonough, IL | 2 | $77.6M | 8.39% | 6th |
Illinois: 388th with 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (29 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).