| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.9% | -5.7 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +7.9% | +5.3% | +2.6 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 19.2% | 12.4% | +6.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $509.6M | $464.3M | $198.3M | $43.1M | $4.2M | 1.65% | 3.89% | 0.17% |
| Q1 2026 | $507.0M | $459.5M | $197.4M | $43.4M | $2.1M | 1.64% | 3.87% | 0.15% |
| Q4 2025 | $502.8M | $455.7M | $201.1M | $43.6M | $9.0M | 1.79% | 3.99% | 0.20% |
| Q3 2025 | $511.4M | $465.3M | $185.1M | $42.9M | $6.9M | 1.83% | 3.98% | 0.14% |
| Q2 2025 | $514.0M | $470.8M | $183.8M | $40.0M | $4.6M | 1.83% | 3.95% | 0.16% |
| Q1 2025 | $508.2M | $465.6M | $182.4M | $38.6M | $2.2M | 1.76% | 3.87% | 0.21% |
| Q4 2024 | $477.6M | $437.4M | $193.1M | $36.6M | $9.3M | 1.92% | 4.08% | 0.24% |
| Q3 2024 | $481.4M | $440.3M | $187.5M | $38.4M | $7.0M | 1.92% | 4.09% | 0.28% |
Loan mix (Q2 2026): real estate $172.5M · commercial $6.9M · consumer $3.5M · securities $187.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 61.2% | 59th |
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.
8 branches in 4 counties across 1 state (+0 vs 2024) · $470.8M branch deposits. Biggest market: Piatt, IL, ranked 1st with 43.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Piatt, IL | 4 | $278.0M | 43.25% | 1st |
| McLean, IL | 2 | $139.2M | 1.37% | 11th |
| Douglas, IL | 1 | $28.9M | 4.13% | 8th |
| 1 more county with Pro → | ||||
Illinois: 135th with 0.06% · Champaign-Urbana metro: 7th, 3.60% · Bloomington metro: 11th, 1.37% ·
Branch count: 2022 6 · 2023 8 · 2024 8 · 2025 8