| Metric | State Bank of Cherry | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -6.0 pts |
| Loan growth (YoY) | -7.5% | +5.6% | -13.1 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 7.9% | 11.9% | -4.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.6M | $105.5M | $91.9M | $15.4M | $616K | 0.89% | 3.44% | 0.38% |
| Q1 2026 | $139.7M | $110.7M | $93.4M | $15.5M | $354K | 1.02% | 3.43% | 1.46% |
| Q4 2025 | $137.6M | $107.1M | $97.9M | $16.1M | $1.9M | 1.45% | 3.76% | 2.01% |
| Q3 2025 | $137.9M | $107.5M | $96.8M | $15.9M | $1.6M | 1.60% | 3.84% | 1.07% |
| Q2 2025 | $136.4M | $107.7M | $99.3M | $15.2M | $1.1M | 1.68% | 3.82% | 2.03% |
| Q1 2025 | $129.1M | $104.9M | $98.0M | $14.7M | $533K | 1.66% | 3.84% | 2.17% |
| Q4 2024 | $128.5M | $102.0M | $99.3M | $14.2M | $2.1M | 1.71% | 3.70% | 2.41% |
| Q3 2024 | $124.0M | $101.9M | $94.9M | $14.7M | $1.6M | 1.68% | 3.70% | 0.92% |
Loan mix (Q2 2026): real estate $62.3M · commercial $10.3M · consumer $3.2M · securities $37.6M
| Ratio | State Bank of Cherry | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 60th |
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 | State Bank of Cherry | 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 | State Bank of Cherry | 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 | State Bank of Cherry | 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 | State Bank of Cherry | 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 | State Bank of Cherry | 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.
State Bank of Cherry is in an open deal as the acquirer: State Bank of Cherry: merger application (approved, filed Jun 15, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 21, 2026 | Acquirer | — | Merger | Approved | FDIC |
1 branches in 1 county across 1 state (+0 vs 2025) · $105.5M branch deposits. Biggest market: Bureau, IL, ranked 5th with 8.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bureau, IL | 1 | $105.5M | 8.26% | 5th |
Illinois: 351st with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 30% in 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).