| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.9% | +4.0 pts |
| Deposit growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| Loan growth (YoY) | +21.5% | +5.3% | +16.2 pts |
| ROA | 1.31% | 1.28% | +0.0 pts |
| ROE | 16.7% | 12.5% | +4.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $512.1M | $408.6M | $332.5M | $40.9M | $3.3M | 1.31% | 3.77% | 0.91% |
| Q1 2026 | $510.9M | $419.7M | $313.3M | $39.2M | $1.6M | 1.26% | 3.70% | 0.92% |
| Q4 2025 | $501.2M | $414.0M | $306.4M | $39.6M | $4.8M | 1.00% | 3.42% | 0.48% |
| Q3 2025 | $496.6M | $410.2M | $288.5M | $37.8M | $3.6M | 1.00% | 3.39% | 0.24% |
| Q2 2025 | $470.1M | $383.7M | $273.6M | $36.5M | $2.2M | 0.92% | 3.27% | 0.26% |
| Q1 2025 | $477.2M | $396.7M | $257.6M | $34.7M | $986K | 0.83% | 3.09% | 0.26% |
| Q4 2024 | $468.7M | $391.5M | $252.2M | $33.5M | $3.7M | 0.77% | 2.75% | 0.24% |
| Q3 2024 | $491.4M | $399.2M | $240.0M | $33.9M | $2.7M | 0.76% | 2.67% | 0.27% |
Loan mix (Q2 2026): real estate $259.6M · commercial $30.6M · consumer $22.6M · securities $145.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.28% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.5% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 61.1% | 37th |
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.
5 branches in 2 counties across 2 states (+0 vs 2025) · $408.6M branch deposits. Biggest market: Crawford, IL, ranked 1st with 46.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, IL | 3 | $311.5M | 46.79% | 1st |
| Knox, IN | 2 | $97.1M | 9.56% | 7th |
Illinois: 192nd with 0.04% · Indiana: 155th with 0.04% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (20 bps of assets, 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).