| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.0% | +5.5% | +28.5 pts |
| Deposit growth (YoY) | +33.1% | +5.1% | +28.0 pts |
| Loan growth (YoY) | +41.9% | +5.9% | +36.0 pts |
| ROA | 1.43% | 1.26% | +0.2 pts |
| ROE | 11.2% | 12.2% | -1.0 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.72B | $5.78B | $4.70B | $877.5M | $44.4M | 1.43% | 4.41% | 0.15% |
| Q1 2026 | $6.77B | $5.83B | $4.63B | $854.2M | $16.0M | 1.08% | 4.12% | 0.21% |
| Q4 2025 | $5.07B | $4.37B | $3.42B | $654.3M | $84.3M | 1.67% | 4.27% | 0.17% |
| Q3 2025 | $5.03B | $4.36B | $3.36B | $639.3M | $63.4M | 1.68% | 4.27% | 0.17% |
| Q2 2025 | $5.02B | $4.34B | $3.31B | $636.8M | $41.6M | 1.65% | 4.25% | 0.13% |
| Q1 2025 | $5.09B | $4.40B | $3.42B | $640.3M | $20.5M | 1.62% | 4.19% | 0.11% |
| Q4 2024 | $5.03B | $4.33B | $3.43B | $618.9M | $78.7M | 1.57% | 4.11% | 0.16% |
| Q3 2024 | $4.99B | $4.30B | $3.33B | $612.7M | $56.7M | 1.50% | 4.11% | 0.17% |
Loan mix (Q2 2026): real estate $3.70B · commercial $525.2M · consumer $24.0M · securities $1.53B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 59.0% | 47th |
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.
Heartland Bank and Trust Company is in an open deal as the acquirer: Heartland Bank and Trust Company: merger application (pending, filed Aug 17, 2026). Expect integration priorities and a consolidated vendor stack after closing.
68 branches in 28 counties across 2 states (+0 vs 2024) · $4.34B branch deposits. Biggest market: McLean, IL, ranked 2nd with 8.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLean, IL | 9 | $905.7M | 8.95% | 2nd |
| DeKalb, IL | 6 | $402.9M | 13.55% | 4th |
| Cook, IL | 2 | $283.6M | 0.06% | 69th |
| 25 more counties with Pro → | ||||
Illinois: 26th with 0.56% · Iowa: 222nd with 0.07% · Chicago-Naperville-Elgin metro: 48th, 0.20% · Bloomington metro: 2nd, 8.95% ·
Branch count: 2022 61 · 2023 70 · 2024 68 · 2025 68