| Metric | GN Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +3.0% | -9.5 pts |
| Deposit growth (YoY) | -7.7% | +2.5% | -10.2 pts |
| Loan growth (YoY) | -17.8% | +2.6% | -20.4 pts |
| ROA | 0.23% | 0.99% | -0.8 pts |
| ROE | 1.6% | 8.1% | -6.5 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.8M | $50.6M | $24.8M | $9.1M | $72K | 0.23% | 4.04% | 5.91% |
| Q1 2026 | $61.5M | $52.5M | $26.2M | $8.8M | $-125K | -0.80% | 4.15% | 4.61% |
| Q4 2025 | $63.7M | $54.1M | $26.9M | $9.4M | $284K | 0.44% | 4.12% | 3.82% |
| Q3 2025 | $62.9M | $53.3M | $27.8M | $9.4M | $110K | 0.23% | 4.09% | 3.99% |
| Q2 2025 | $63.9M | $54.8M | $30.2M | $8.9M | $56K | 0.17% | 3.97% | 3.74% |
| Q1 2025 | $65.3M | $55.7M | $32.0M | $9.3M | $53K | 0.33% | 3.88% | 2.88% |
| Q4 2024 | $64.7M | $55.7M | $34.9M | $8.8M | $243K | 0.38% | 4.54% | 3.17% |
| Q3 2024 | $65.9M | $55.7M | $36.9M | $9.8M | $95K | 0.20% | 4.63% | 3.10% |
Loan mix (Q2 2026): real estate $20.4M · commercial $2.4M · consumer $2.2M · securities $27.7M
| Ratio | GN Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.99% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 8.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 70.8% | 70th |
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 | GN 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 | GN Bank | 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 | GN 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 | GN 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 | GN Bank | 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.
1 branches in 1 county across 1 state (-1 vs 2024) · $54.8M branch deposits. Biggest market: Cook, IL, ranked 109th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $54.8M | 0.01% | 109th |
Illinois: 419th with 0.01% · Chicago-Naperville-Elgin metro: 175th, 0.01% ·
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 1