| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.5% | +8.3 pts |
| Deposit growth (YoY) | +13.9% | +5.1% | +8.8 pts |
| Loan growth (YoY) | +11.7% | +6.0% | +5.7 pts |
| ROA | 2.23% | 1.26% | +1.0 pts |
| ROE | 22.3% | 12.2% | +10.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $1.08B | $898.1M | $122.1M | $13.2M | 2.23% | 3.87% | 0.10% |
| Q1 2026 | $1.18B | $1.05B | $872.4M | $118.9M | $6.6M | 2.28% | 3.84% | 0.10% |
| Q4 2025 | $1.14B | $1.01B | $854.2M | $115.6M | $19.2M | 1.77% | 3.63% | 0.10% |
| Q3 2025 | $1.11B | $979.2M | $833.1M | $111.4M | $14.5M | 1.81% | 3.58% | 0.12% |
| Q2 2025 | $1.07B | $950.3M | $804.2M | $106.5M | $9.4M | 1.79% | 3.53% | 0.08% |
| Q1 2025 | $1.07B | $942.6M | $790.9M | $103.7M | $4.8M | 1.85% | 3.44% | 0.11% |
| Q4 2024 | $1.02B | $915.8M | $775.0M | $97.1M | $13.8M | 1.49% | 3.26% | 0.14% |
| Q3 2024 | $1.02B | $909.6M | $760.5M | $104.7M | $10.8M | 1.60% | 3.20% | 0.11% |
Loan mix (Q2 2026): real estate $644.1M · commercial $86.5M · consumer $28.2M · securities $242.7M
| Ratio | Pilot Grove Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 59.0% | 6th |
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 | Pilot Grove Savings 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 | Pilot Grove Savings Bank | 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 | Pilot Grove Savings 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 | Pilot Grove Savings 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 | Pilot Grove Savings Bank | 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.
17 branches in 5 counties across 1 state (+0 vs 2025) · $1.08B branch deposits. Biggest market: Lee, IA, ranked 1st with 47.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lee, IA | 9 | $678.1M | 47.07% | 1st |
| Henry, IA | 4 | $298.8M | 52.38% | 1st |
| Jefferson, IA | 2 | $65.2M | 9.24% | 4th |
| 2 more counties with Pro → | ||||
Iowa: 29th with 0.68% ·
Branch count: 2022 14 · 2023 14 · 2024 14 · 2025 17 · 2026 17
Technology spend in line with peers (11 bps of assets, 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).