| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.9% | -0.4 pts |
| Deposit growth (YoY) | +3.2% | +4.3% | -1.1 pts |
| Loan growth (YoY) | +8.1% | +5.3% | +2.8 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 15.8% | 12.4% | +3.4 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $675.3M | $589.6M | $509.4M | $79.8M | $6.0M | 1.85% | 3.88% | 0.11% |
| Q1 2026 | $644.2M | $561.3M | $502.7M | $76.6M | $3.0M | 1.86% | 3.95% | 0.12% |
| Q4 2025 | $644.1M | $564.0M | $487.4M | $72.9M | $8.9M | 1.38% | 3.51% | 0.11% |
| Q3 2025 | $636.6M | $558.9M | $471.2M | $70.1M | $6.9M | 1.43% | 3.41% | 0.21% |
| Q2 2025 | $646.1M | $571.3M | $471.2M | $66.0M | $4.3M | 1.33% | 3.31% | 0.25% |
| Q1 2025 | $639.3M | $564.8M | $463.0M | $64.7M | $2.1M | 1.32% | 3.17% | 0.22% |
| Q4 2024 | $638.7M | $565.5M | $472.7M | $63.3M | $5.8M | 0.93% | 2.98% | 0.21% |
| Q3 2024 | $621.6M | $549.9M | $482.2M | $62.9M | $4.5M | 0.97% | 2.95% | 0.26% |
Loan mix (Q2 2026): real estate $395.3M · commercial $56.7M · consumer $12.8M · securities $75.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 61.2% | 38th |
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.
6 branches in 4 counties across 1 state (+0 vs 2024) · $571.3M branch deposits. Biggest market: Dubois, IN, ranked 3rd with 15.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dubois, IN | 2 | $346.8M | 15.62% | 3rd |
| Orange, IN | 2 | $185.7M | 36.60% | 1st |
| Gibson, IN | 1 | $22.5M | 2.60% | 10th |
| 1 more county with Pro → | ||||
Indiana: 66th with 0.23% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6