| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.6% | +4.4% | -12.9 pts |
| Deposit growth (YoY) | -8.2% | +4.0% | -12.2 pts |
| Loan growth (YoY) | +21.7% | +5.6% | +16.1 pts |
| ROA | -3.96% | 1.24% | -5.2 pts |
| ROE | -45.1% | 11.9% | -57.0 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.2M | $100.1M | $49.4M | $9.7M | $-2.3M | -3.96% | 4.07% | 0.45% |
| Q1 2026 | $116.3M | $105.9M | $47.4M | $9.7M | $-1.2M | -4.08% | 3.56% | 0.47% |
| Q4 2025 | $116.7M | $105.2M | $46.5M | $10.9M | $-1.7M | -1.44% | 3.20% | 0.44% |
| Q3 2025 | $120.0M | $107.7M | $40.0M | $11.7M | $-937K | -1.04% | 3.52% | 0.47% |
| Q2 2025 | $121.6M | $109.0M | $40.6M | $12.1M | $-446K | -0.74% | 3.37% | 0.44% |
| Q1 2025 | $121.1M | $109.6M | $33.4M | $10.9M | $-193K | -0.64% | 3.35% | 0.46% |
| Q4 2024 | $119.8M | $108.5M | $24.8M | $10.6M | $-2.4M | -2.08% | 2.65% | 0.49% |
| Q3 2024 | $114.6M | $103.3M | $22.2M | $10.8M | $-2.2M | -2.51% | 2.81% | 0.62% |
Loan mix (Q2 2026): real estate $49.4M · commercial $341K · consumer $172K · securities $55.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.96% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -45.1% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 179.3% | 62.9% | 100th |
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.
4 branches in 2 counties across 1 state (+0 vs 2025) · $100.1M branch deposits. Biggest market: Cook, IL, ranked 100th with 0.0% of deposits.
Illinois: 362nd with 0.01% · Chicago-Naperville-Elgin metro: 158th, 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend up 122% in 2025. 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).