| Metric | Rushville State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.5 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 17.0% | 11.9% | +5.2 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.8M | $118.9M | $56.0M | $14.0M | $1.2M | 1.78% | 3.40% | 0.08% |
| Q1 2026 | $132.9M | $117.3M | $57.1M | $14.0M | $579K | 1.76% | 3.36% | 0.09% |
| Q4 2025 | $130.2M | $114.7M | $56.5M | $13.7M | $1.9M | 1.49% | 3.33% | 0.10% |
| Q3 2025 | $132.0M | $117.1M | $56.5M | $13.2M | $1.4M | 1.50% | 3.29% | 0.12% |
| Q2 2025 | $123.8M | $111.1M | $54.7M | $10.9M | $933K | 1.51% | 3.29% | 0.14% |
| Q1 2025 | $127.0M | $114.2M | $55.1M | $11.1M | $452K | 1.46% | 3.19% | 0.14% |
| Q4 2024 | $120.3M | $108.5M | $51.7M | $9.9M | $1.8M | 1.44% | 3.24% | 0.16% |
| Q3 2024 | $119.6M | $105.9M | $52.1M | $12.0M | $1.4M | 1.50% | 3.26% | 0.19% |
Loan mix (Q2 2026): real estate $33.9M · commercial $13.8M · consumer $1.1M · securities $51.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Rushville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 18th |
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 | Rushville State 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 | Rushville State 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 | Rushville State 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 | Rushville State 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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