| Metric | First FSB of Mascoutah | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.4 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $207.3M | $185.3M | $161.8M | $20.2M | $866K | 0.85% | 2.90% | 1.67% |
| Q1 2026 | $202.9M | $182.3M | $156.4M | $19.8M | $414K | 0.82% | 2.82% | 1.71% |
| Q4 2025 | $198.9M | $178.7M | $151.1M | $19.5M | $1.6M | 0.80% | 2.82% | 1.72% |
| Q3 2025 | $194.1M | $172.9M | $152.4M | $19.0M | $1.2M | 0.79% | 2.78% | 1.82% |
| Q2 2025 | $196.0M | $176.9M | $152.8M | $18.3M | $746K | 0.77% | 2.71% | 1.80% |
| Q1 2025 | $191.6M | $173.2M | $150.4M | $17.8M | $399K | 0.83% | 2.77% | 0.53% |
| Q4 2024 | $193.1M | $166.8M | $153.8M | $17.0M | $1.1M | 0.62% | 2.52% | 0.63% |
| Q3 2024 | $182.8M | $159.2M | $139.8M | $17.2M | $737K | 0.55% | 2.42% | 0.47% |
Loan mix (Q2 2026): real estate $133.5M · commercial $23.1M · consumer $2.8M · securities $32.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First FSB of Mascoutah | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 | First FSB of Mascoutah | 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 | First FSB of Mascoutah | 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 | First FSB of Mascoutah | 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 | First FSB of Mascoutah | 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 | First FSB of Mascoutah | 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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $176.9M branch deposits. Biggest market: St. Clair, IL, ranked 19th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Clair, IL | 2 | $153.2M | 2.00% | 19th |
| Clinton, IL | 1 | $23.8M | 1.50% | 11th |
Illinois: 270th with 0.02% · St. Louis metro: 82nd, 0.12% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3