| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.0% | -2.1 pts |
| Deposit growth (YoY) | -0.5% | +2.5% | -3.0 pts |
| Loan growth (YoY) | +10.3% | +2.6% | +7.8 pts |
| ROA | 1.21% | 0.99% | +0.2 pts |
| ROE | 9.9% | 8.1% | +1.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.4M | $68.4M | $51.1M | $9.7M | $472K | 1.21% | 3.74% | 1.38% |
| Q1 2026 | $77.5M | $67.6M | $50.2M | $9.5M | $236K | 1.22% | 3.67% | 1.43% |
| Q4 2025 | $77.5M | $67.8M | $48.0M | $9.3M | $864K | 1.13% | 3.56% | 0.71% |
| Q3 2025 | $77.8M | $68.3M | $47.4M | $9.2M | $663K | 1.16% | 3.51% | 0.76% |
| Q2 2025 | $77.8M | $68.7M | $46.3M | $8.8M | $405K | 1.07% | 3.43% | 0.41% |
| Q1 2025 | $75.0M | $66.3M | $42.3M | $8.5M | $187K | 1.01% | 3.31% | 0.67% |
| Q4 2024 | $73.9M | $65.6M | $40.6M | $8.1M | $611K | 0.85% | 3.09% | 0.81% |
| Q3 2024 | $74.0M | $65.8M | $41.7M | $8.1M | $472K | 0.88% | 3.06% | 1.01% |
Loan mix (Q2 2026): real estate $34.7M · commercial $11.0M · consumer $1.9M · securities $20.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.99% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 8.1% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 70.8% | 25th |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $68.4M branch deposits. Biggest market: Pulaski, IL, ranked 1st with 83.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, IL | 2 | $68.4M | 83.55% | 1st |
Illinois: 401st with 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (35 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).