| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.0% | +3.0% | -17.0 pts |
| Deposit growth (YoY) | -13.6% | +2.5% | -16.1 pts |
| Loan growth (YoY) | -8.8% | +2.6% | -11.4 pts |
| ROA | -3.37% | 0.99% | -4.4 pts |
| ROE | -38.7% | 8.1% | -46.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.1M | $13.5M | $10.4M | $1.3M | $-263K | -3.37% | 4.39% | 13.83% |
| Q1 2026 | $15.1M | $13.5M | $10.6M | $1.3M | $-132K | -3.33% | 4.42% | 13.96% |
| Q4 2025 | $16.6M | $14.8M | $11.6M | $1.5M | $-393K | -2.23% | 4.41% | 11.66% |
| Q3 2025 | $17.5M | $15.5M | $12.2M | $1.6M | $-285K | -2.12% | 4.32% | 11.35% |
| Q2 2025 | $17.6M | $15.6M | $11.4M | $1.6M | $-178K | -1.97% | 4.49% | 11.25% |
| Q1 2025 | $18.2M | $16.1M | $12.2M | $1.7M | $-60K | -1.31% | 4.48% | 6.94% |
| Q4 2024 | $18.4M | $16.3M | $12.8M | $1.8M | $-354K | -1.62% | 4.92% | 2.91% |
| Q3 2024 | $20.1M | $17.9M | $14.3M | $1.8M | $-321K | -1.89% | 4.78% | 5.74% |
Loan mix (Q2 2026): real estate $6.3M · commercial $3.4M · consumer $706K · securities $1.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.37% | 0.99% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -38.7% | 8.1% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 169.4% | 70.8% | 97th |
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.
Spends 6.3× the peer median on technology. 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).
2 branches in 1 county across 1 state (+0 vs 2025) · $13.5M branch deposits. Biggest market: Pulaski, IL, ranked 2nd with 16.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, IL | 2 | $13.5M | 16.45% | 2nd |
Illinois: 510th with 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2