| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +82.5% | +5.5% | +77.0 pts |
| Deposit growth (YoY) | +123.2% | +5.1% | +118.1 pts |
| Loan growth (YoY) | +190.8% | +5.9% | +184.9 pts |
| ROA | 2.21% | 1.26% | +0.9 pts |
| ROE | 16.0% | 12.2% | +3.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.70B | $1.22B | $1.06B | $221.3M | $16.2M | 2.21% | 4.95% | 0.42% |
| Q1 2026 | $1.72B | $1.24B | $1.13B | $213.0M | $6.8M | 1.99% | 4.48% | 0.32% |
| Q4 2025 | $995.1M | $637.7M | $535.9M | $176.1M | $37.1M | 3.92% | 5.47% | 0.28% |
| Q3 2025 | $1.08B | $672.9M | $467.0M | $205.4M | $30.0M | 4.28% | 5.44% | 0.37% |
| Q2 2025 | $932.3M | $546.6M | $364.1M | $196.1M | $21.0M | 4.73% | 5.60% | 0.43% |
| Q1 2025 | $912.3M | $507.7M | $291.3M | $184.9M | $9.8M | 4.55% | 5.23% | 0.35% |
| Q4 2024 | $817.1M | $456.6M | $261.0M | $175.1M | $54.6M | 6.99% | 5.96% | 0.41% |
| Q3 2024 | $880.1M | $534.1M | $214.9M | $165.8M | $44.6M | 7.71% | 5.89% | 0.29% |
Loan mix (Q2 2026): real estate $978.7M · commercial $53.4M · consumer $4.5M · securities $159.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.26% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 59.0% | 80th |
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 2024) · $546.6M branch deposits. Biggest market: Kendall, IL, ranked 1st with 16.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kendall, IL | 1 | $546.6M | 16.85% | 1st |
Illinois: 116th with 0.07% · Chicago-Naperville-Elgin metro: 75th, 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1