| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | -0.0 pts |
| Deposit growth (YoY) | +5.8% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +5.4% | +5.9% | -0.5 pts |
| ROA | 1.65% | 1.26% | +0.4 pts |
| ROE | 17.4% | 12.2% | +5.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.50B | $3.03B | $2.54B | $341.1M | $28.8M | 1.65% | 4.00% | 0.74% |
| Q1 2026 | $3.55B | $3.12B | $2.51B | $326.6M | $13.9M | 1.60% | 3.86% | 0.64% |
| Q4 2025 | $3.43B | $2.88B | $2.49B | $326.9M | $50.4M | 1.52% | 3.83% | 0.49% |
| Q3 2025 | $3.32B | $2.88B | $2.41B | $316.8M | $36.6M | 1.48% | 3.83% | 0.53% |
| Q2 2025 | $3.31B | $2.86B | $2.41B | $296.5M | $23.9M | 1.46% | 3.80% | 0.73% |
| Q1 2025 | $3.27B | $2.80B | $2.38B | $295.2M | $12.7M | 1.56% | 3.75% | 0.53% |
| Q4 2024 | $3.23B | $2.83B | $2.36B | $287.5M | $36.7M | 1.16% | 3.71% | 0.55% |
| Q3 2024 | $3.23B | $2.83B | $2.35B | $291.7M | $24.5M | 1.04% | 3.68% | 0.41% |
Loan mix (Q2 2026): real estate $1.66B · commercial $468.8M · consumer $14.1M · securities $694.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 59.0% | 16th |
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.
38 branches in 20 counties across 2 states (+1 vs 2024) · $2.86B branch deposits. Biggest market: Miami, IN, ranked 1st with 61.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami, IN | 4 | $643.8M | 61.22% | 1st |
| Howard, IN | 6 | $468.9M | 18.77% | 2nd |
| Hamilton, IN | 3 | $232.5M | 0.78% | 19th |
| 17 more counties with Pro → | ||||
Indiana: 24th with 1.03% · Illinois: 187th with 0.04% · Indianapolis-Carmel-Greenwood metro: 28th, 0.52% · Kokomo metro: 2nd, 18.77% ·
Branch count: 2022 35 · 2023 35 · 2024 37 · 2025 38