| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.0% | +0.4 pts |
| Deposit growth (YoY) | +2.3% | +2.5% | -0.2 pts |
| Loan growth (YoY) | -4.3% | +2.6% | -6.9 pts |
| ROA | 0.07% | 0.99% | -0.9 pts |
| ROE | 0.6% | 8.1% | -7.5 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.4M | $17.9M | $7.7M | $2.4M | $7K | 0.07% | 3.05% | 0.65% |
| Q1 2026 | $22.4M | $20.0M | $7.2M | $2.4M | $-11K | -0.20% | 2.96% | 0.61% |
| Q4 2025 | $21.0M | $18.5M | $7.3M | $2.4M | $-48K | -0.23% | 2.95% | 0.24% |
| Q3 2025 | $22.4M | $19.9M | $7.8M | $2.3M | $-43K | -0.27% | 2.92% | 0.07% |
| Q2 2025 | $19.7M | $17.5M | $8.0M | $2.1M | $-28K | -0.27% | 2.90% | 0.09% |
| Q1 2025 | $20.7M | $18.5M | $7.7M | $2.1M | $-23K | -0.43% | 2.90% | 0.17% |
| Q4 2024 | $21.6M | $19.5M | $7.3M | $2.0M | $-51K | -0.23% | 2.99% | 1.15% |
| Q3 2024 | $20.9M | $18.5M | $7.2M | $2.3M | $-27K | -0.16% | 3.00% | 0.13% |
Loan mix (Q2 2026): real estate $838K · commercial $3.6M · consumer $483K · securities $9.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.99% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 8.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.6% | 70.8% | 87th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $17.5M branch deposits. Biggest market: Macoupin, IL, ranked 12th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macoupin, IL | 1 | $17.5M | 1.95% | 12th |
Illinois: 504th with 0.00% · St. Louis metro: 132nd, 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1