| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.0 pts |
| ROA | 0.17% | 1.24% | -1.1 pts |
| ROE | 1.3% | 11.9% | -10.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $387.3M | $301.3M | $258.0M | $54.0M | $337K | 0.17% | 2.71% | 0.22% |
| Q1 2026 | $383.9M | $304.0M | $246.5M | $53.2M | $27K | 0.03% | 2.65% | 0.21% |
| Q4 2025 | $388.4M | $309.0M | $247.7M | $53.9M | $500K | 0.13% | 2.37% | 0.19% |
| Q3 2025 | $385.1M | $306.1M | $241.7M | $52.5M | $265K | 0.09% | 2.29% | 0.21% |
| Q2 2025 | $376.5M | $304.6M | $231.3M | $50.5M | $55K | 0.03% | 2.25% | 0.22% |
| Q1 2025 | $373.3M | $304.6M | $224.2M | $49.6M | $-22K | -0.02% | 2.19% | 0.29% |
| Q4 2024 | $378.2M | $304.3M | $214.9M | $49.3M | $-380K | -0.10% | 2.03% | 0.23% |
| Q3 2024 | $379.9M | $299.4M | $215.4M | $51.6M | $-290K | -0.10% | 1.98% | 0.22% |
Loan mix (Q2 2026): real estate $249.1M · commercial $1.2M · consumer $1.2M · securities $91.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fox Valley Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 62.9% | 96th |
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 | Fox Valley Savings Bank | 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 | Fox Valley Savings Bank | 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 | Fox Valley Savings Bank | 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 | Fox Valley Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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