| Metric | Illini State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.3 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.7 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 9.0% | 11.9% | -2.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $171.9M | $124.5M | $106.4M | $24.6M | $1.1M | 1.26% | 3.20% | 1.17% |
| Q1 2026 | $171.4M | $123.8M | $105.7M | $24.2M | $478K | 1.11% | 3.08% | 1.20% |
| Q4 2025 | $172.4M | $123.5M | $107.3M | $23.8M | $1.8M | 1.04% | 2.71% | 1.22% |
| Q3 2025 | $169.8M | $125.7M | $106.7M | $23.8M | $1.3M | 1.04% | 2.66% | 1.24% |
| Q2 2025 | $169.6M | $127.5M | $105.5M | $21.9M | $829K | 0.99% | 2.62% | 1.48% |
| Q1 2025 | $167.2M | $126.6M | $107.6M | $21.3M | $319K | 0.76% | 2.48% | 1.39% |
| Q4 2024 | $167.3M | $124.9M | $107.5M | $20.2M | $1.6M | 0.95% | 2.65% | 0.06% |
| Q3 2024 | $169.2M | $123.3M | $110.1M | $21.6M | $1.1M | 0.90% | 2.55% | 0.12% |
Loan mix (Q2 2026): real estate $85.3M · commercial $5.5M · consumer $915K · securities $47.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Illini State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 62.9% | 20th |
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 | Illini State 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 | Illini State 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 | Illini State 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 | Illini State 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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