| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.0% | +0.4 pts |
| Deposit growth (YoY) | +13.9% | +2.5% | +11.4 pts |
| Loan growth (YoY) | +11.3% | +2.6% | +8.7 pts |
| ROA | 0.73% | 0.99% | -0.3 pts |
| ROE | 7.1% | 8.1% | -1.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.5M | $87.1M | $51.0M | $11.0M | $383K | 0.73% | 3.25% | 0.33% |
| Q1 2026 | $102.1M | $91.1M | $53.3M | $10.7M | $228K | 0.85% | 3.21% | 0.31% |
| Q4 2025 | $113.7M | $102.6M | $53.7M | $10.8M | $816K | 0.80% | 2.93% | 0.35% |
| Q3 2025 | $114.3M | $103.4M | $46.1M | $10.7M | $592K | 0.79% | 2.87% | 0.17% |
| Q2 2025 | $95.2M | $76.5M | $45.8M | $10.0M | $400K | 0.84% | 2.99% | 0.37% |
| Q1 2025 | $93.7M | $84.0M | $45.0M | $9.4M | $165K | 0.70% | 2.91% | 0.22% |
| Q4 2024 | $96.0M | $83.4M | $44.3M | $9.2M | $476K | 0.51% | 2.56% | 0.24% |
| Q3 2024 | $94.4M | $76.6M | $43.1M | $10.0M | $306K | 0.44% | 2.46% | 0.05% |
Loan mix (Q2 2026): real estate $25.5M · commercial $22.6M · consumer $3.0M · securities $36.0M
| Ratio | Investors Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.99% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 8.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 70.8% | 49th |
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 | Investors Community 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 | Investors Community 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 | Investors Community 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 | Investors Community 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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