| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +14.2% | +5.6% | +8.6 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.6M | $189.5M | $127.4M | $37.1M | $1.6M | 1.43% | 5.51% | 4.74% |
| Q1 2026 | $221.5M | $183.1M | $124.1M | $36.6M | $1.0M | 1.91% | 5.98% | 1.84% |
| Q4 2025 | $215.9M | $178.4M | $123.9M | $35.5M | $4.0M | 1.80% | 6.40% | 1.85% |
| Q3 2025 | $228.6M | $191.8M | $110.1M | $34.8M | $3.2M | 1.93% | 6.64% | 2.26% |
| Q2 2025 | $222.3M | $186.8M | $111.6M | $33.6M | $2.0M | 1.84% | 6.96% | 2.32% |
| Q1 2025 | $224.5M | $191.4M | $128.7M | $31.5M | $-40K | -0.07% | 6.88% | 2.30% |
| Q4 2024 | $206.0M | $170.6M | $125.9M | $31.6M | $-2.8M | -1.29% | 2.17% | 3.52% |
| Q3 2024 | $213.9M | $178.3M | $155.1M | $34.0M | $1.0M | 0.63% | 7.40% | 4.60% |
Loan mix (Q2 2026): real estate $100.6M · commercial $28.8M · consumer $0 · securities $3.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31st | |
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 | 61.5% | 62.9% | 46th |
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 2025) · $189.5M branch deposits. Biggest market: Cook, IL, ranked 83rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $189.5M | 0.04% | 83rd |
Illinois: 268th with 0.02% · Chicago-Naperville-Elgin metro: 128th, 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 323% in 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).