| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.3 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.1 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 9.5% | 11.9% | -2.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.0M | $126.5M | $78.7M | $22.8M | $1.1M | 1.44% | 3.73% | 0.00% |
| Q1 2026 | $150.1M | $126.9M | $81.1M | $22.6M | $534K | 1.42% | 3.71% | 0.00% |
| Q4 2025 | $150.0M | $126.7M | $77.1M | $22.6M | $1.8M | 1.24% | 3.49% | 0.00% |
| Q3 2025 | $147.6M | $124.8M | $73.6M | $22.1M | $1.3M | 1.20% | 3.43% | 0.00% |
| Q2 2025 | $146.8M | $124.4M | $71.2M | $21.7M | $832K | 1.14% | 3.35% | 0.00% |
| Q1 2025 | $145.7M | $124.1M | $70.7M | $21.0M | $383K | 1.05% | 3.23% | 0.00% |
| Q4 2024 | $145.3M | $124.3M | $74.6M | $20.4M | $1.1M | 0.78% | 2.99% | 0.00% |
| Q3 2024 | $142.5M | $121.1M | $71.2M | $20.6M | $760K | 0.72% | 2.96% | 0.00% |
Loan mix (Q2 2026): real estate $76.2M · commercial $3.4M · consumer $0 · securities $39.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 40th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $124.4M branch deposits. Biggest market: Cook, IL, ranked 87th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $124.4M | 0.03% | 87th |
Illinois: 321st with 0.02% · Chicago-Naperville-Elgin metro: 144th, 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1