| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.1M | $136.8M | $106.1M | $21.3M | $1.3M | 1.62% | 4.33% | 1.16% |
| Q1 2026 | $161.0M | $138.1M | $104.6M | $20.8M | $613K | 1.53% | 4.26% | 1.07% |
| Q4 2025 | $160.0M | $137.8M | $104.2M | $20.4M | $2.4M | 1.50% | 4.10% | 1.09% |
| Q3 2025 | $158.5M | $136.3M | $104.1M | $20.4M | $1.8M | 1.53% | 4.06% | 0.24% |
| Q2 2025 | $159.1M | $137.7M | $104.2M | $19.6M | $1.2M | 1.50% | 3.97% | 0.33% |
| Q1 2025 | $160.0M | $138.9M | $104.6M | $19.1M | $596K | 1.49% | 3.87% | 0.18% |
| Q4 2024 | $159.5M | $136.4M | $99.1M | $18.2M | $2.0M | 1.27% | 3.69% | 0.16% |
| Q3 2024 | $159.9M | $136.4M | $100.1M | $18.8M | $1.5M | 1.27% | 3.66% | 0.15% |
Loan mix (Q2 2026): real estate $83.5M · commercial $15.0M · consumer $5.1M · securities $34.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.4% | 62.9% | 17th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $137.7M branch deposits. Biggest market: Jackson, IL, ranked 6th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, IL | 1 | $80.4M | 5.75% | 6th |
| Randolph, IL | 2 | $57.3M | 5.30% | 8th |
Illinois: 307th with 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3