| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.0% | -3.6 pts |
| Deposit growth (YoY) | -1.0% | +2.5% | -3.5 pts |
| Loan growth (YoY) | +4.7% | +2.6% | +2.1 pts |
| ROA | 0.42% | 0.99% | -0.6 pts |
| ROE | 5.3% | 8.1% | -2.8 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.2M | $57.9M | $28.3M | $5.1M | $133K | 0.42% | 2.43% | 0.00% |
| Q1 2026 | $63.0M | $57.8M | $27.9M | $5.0M | $60K | 0.38% | 2.33% | 0.00% |
| Q4 2025 | $63.5M | $58.3M | $27.6M | $5.0M | $85K | 0.14% | 2.10% | 0.00% |
| Q3 2025 | $63.7M | $58.6M | $27.2M | $4.9M | $32K | 0.07% | 2.01% | 0.00% |
| Q2 2025 | $63.6M | $58.5M | $27.1M | $4.8M | $15K | 0.05% | 1.95% | 0.00% |
| Q1 2025 | $61.5M | $56.5M | $27.1M | $4.7M | $-6K | -0.04% | 1.84% | 0.00% |
| Q4 2024 | $61.4M | $56.6M | $27.4M | $4.6M | $-161K | -0.25% | 1.63% | 0.00% |
| Q3 2024 | $63.3M | $58.3M | $26.9M | $4.7M | $-101K | -0.21% | 1.59% | 0.00% |
Loan mix (Q2 2026): real estate $26.4M · commercial $0 · consumer $1.8M · securities $24.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.99% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 8.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 70.8% | 73rd |
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.
3 branches in 1 county across 1 state (+0 vs 2024) · $58.5M branch deposits. Biggest market: Randolph, IL, ranked 7th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Randolph, IL | 3 | $58.5M | 5.41% | 7th |
Illinois: 414th with 0.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3