| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Deposit growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +13.7% | +5.3% | +8.4 pts |
| ROA | 0.28% | 1.28% | -1.0 pts |
| ROE | 3.1% | 12.5% | -9.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $528.8M | $427.8M | $387.2M | $47.2M | $738K | 0.28% | 3.30% | 2.76% |
| Q1 2026 | $528.4M | $423.9M | $379.7M | $46.9M | $374K | 0.28% | 3.29% | 2.62% |
| Q4 2025 | $525.8M | $422.4M | $374.6M | $46.7M | $1.3M | 0.25% | 3.21% | 1.48% |
| Q3 2025 | $513.8M | $429.3M | $353.8M | $46.1M | $889K | 0.23% | 3.17% | 1.71% |
| Q2 2025 | $507.0M | $415.8M | $340.5M | $45.4M | $478K | 0.19% | 3.18% | 1.96% |
| Q1 2025 | $503.0M | $420.8M | $319.9M | $45.0M | $204K | 0.16% | 3.25% | 2.00% |
| Q4 2024 | $515.4M | $437.9M | $320.7M | $44.2M | $914K | 0.18% | 2.64% | 2.61% |
| Q3 2024 | $512.6M | $439.8M | $334.5M | $44.4M | $679K | 0.18% | 2.61% | 2.38% |
Loan mix (Q2 2026): real estate $208.6M · commercial $97.6M · consumer $82.0M · securities $62.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 12.5% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 61.1% | 89th |
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 4 counties across 1 state (+0 vs 2025) · $427.8M branch deposits. Biggest market: Will, IL, ranked 19th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Will, IL | 1 | $215.7M | 0.88% | 19th |
| Kane, IL | 2 | $156.4M | 0.92% | 17th |
| Grundy, IL | 1 | $39.5M | 2.01% | 12th |
| 1 more county with Pro → | ||||
Illinois: 148th with 0.05% · Chicago-Naperville-Elgin metro: 90th, 0.06% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (10 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).