| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.1M | $159.7M | $120.3M | $19.1M | $1.1M | 1.22% | 4.63% | 3.00% |
| Q1 2026 | $178.9M | $159.5M | $118.5M | $18.3M | $534K | 1.20% | 4.53% | 2.02% |
| Q4 2025 | $177.4M | $158.1M | $118.4M | $18.4M | $2.0M | 1.14% | 4.45% | 1.32% |
| Q3 2025 | $176.4M | $158.1M | $112.9M | $17.2M | $1.1M | 0.81% | 4.36% | 1.61% |
| Q2 2025 | $173.9M | $155.6M | $111.2M | $17.0M | $1.0M | 1.14% | 4.28% | 1.54% |
| Q1 2025 | $175.2M | $154.1M | $113.2M | $15.9M | $498K | 1.13% | 4.21% | 0.83% |
| Q4 2024 | $176.0M | $155.8M | $111.1M | $15.3M | $2.0M | 1.16% | 4.30% | 0.17% |
| Q3 2024 | $176.3M | $154.3M | $109.5M | $15.5M | $1.5M | 1.13% | 4.06% | 0.14% |
Loan mix (Q2 2026): real estate $63.5M · commercial $29.4M · consumer $28.7M · securities $35.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 58th |
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.
5 branches in 1 county across 1 state (+0 vs 2025) · $159.7M branch deposits. Biggest market: Franklin, IL, ranked 2nd with 19.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, IL | 5 | $159.7M | 19.33% | 2nd |
Illinois: 302nd with 0.02% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend up 57% 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).