| Metric | Federated Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.4% | +7.5 pts |
| Deposit growth (YoY) | +13.2% | +4.0% | +9.2 pts |
| Loan growth (YoY) | +37.5% | +5.6% | +31.9 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 8.4% | 11.9% | -3.5 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.1M | $119.2M | $89.1M | $19.6M | $820K | 1.20% | 5.51% | 0.67% |
| Q1 2026 | $134.6M | $113.9M | $82.8M | $19.5M | $551K | 1.64% | 3.74% | 0.54% |
| Q4 2025 | $134.8M | $114.0M | $80.8M | $19.7M | $369K | 0.29% | 3.69% | 0.54% |
| Q3 2025 | $128.4M | $107.8M | $74.2M | $19.4M | $122K | 0.13% | 3.11% | 0.57% |
| Q2 2025 | $125.3M | $105.3M | $64.9M | $18.6M | $-210K | -0.35% | 1.84% | 0.80% |
| Q1 2025 | $117.7M | $105.5M | $54.9M | $11.7M | $222K | 0.75% | 4.20% | 1.05% |
| Q4 2024 | $119.7M | $108.2M | $58.3M | $11.2M | $984K | 0.83% | 3.81% | 1.04% |
| Q3 2024 | $118.7M | $97.9M | $54.2M | $12.4M | $770K | 0.87% | 3.91% | 1.02% |
Loan mix (Q2 2026): real estate $55.2M · commercial $12.4M · consumer $1.6M · securities $19.1M
| Ratio | Federated Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 62.9% | 78th |
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 | Federated 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 | Federated 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 | Federated 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 | Federated 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 | Federated 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.
4 branches in 2 counties across 1 state (+0 vs 2024) · $105.3M branch deposits. Biggest market: Iroquois, IL, ranked 4th with 9.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iroquois, IL | 3 | $84.1M | 9.64% | 4th |
| Kankakee, IL | 1 | $21.3M | 0.74% | 16th |
Illinois: 343rd with 0.01% · Kankakee metro: 16th, 0.74% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4