| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.0% | -3.3 pts |
| Deposit growth (YoY) | -0.7% | +2.5% | -3.2 pts |
| Loan growth (YoY) | +2.4% | +2.6% | -0.2 pts |
| ROA | 0.31% | 0.99% | -0.7 pts |
| ROE | 2.6% | 8.1% | -5.5 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.1M | $24.5M | $18.5M | $3.4M | $43K | 0.31% | 2.66% | 2.02% |
| Q1 2026 | $27.4M | $23.8M | $18.0M | $3.3M | $16K | 0.23% | 2.53% | 2.92% |
| Q4 2025 | $27.4M | $23.9M | $18.3M | $3.3M | $87K | 0.32% | 2.47% | 3.56% |
| Q3 2025 | $27.7M | $24.2M | $18.3M | $3.3M | $46K | 0.22% | 2.40% | 3.06% |
| Q2 2025 | $28.2M | $24.7M | $18.0M | $3.3M | $26K | 0.19% | 2.38% | 2.65% |
| Q1 2025 | $26.7M | $23.2M | $18.1M | $3.2M | $9K | 0.13% | 2.30% | 1.96% |
| Q4 2024 | $26.9M | $23.4M | $18.3M | $3.2M | $86K | 0.31% | 2.35% | 2.53% |
| Q3 2024 | $27.5M | $24.0M | $18.7M | $3.2M | $84K | 0.39% | 2.31% | 2.47% |
Loan mix (Q2 2026): real estate $18.7M · commercial $0 · consumer $0 · securities $4K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.99% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 8.1% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 70.8% | 70th |
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 2025) · $24.5M branch deposits. Biggest market: Iroquois, IL, ranked 11th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iroquois, IL | 1 | $24.5M | 2.15% | 11th |
Illinois: 478th with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
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).