| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +4.4% | -11.9 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.0 pts |
| Loan growth (YoY) | -7.7% | +5.6% | -13.2 pts |
| ROA | -2.24% | 1.24% | -3.5 pts |
| ROE | -28.9% | 11.9% | -40.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $481.6M | $403.4M | $327.9M | $34.9M | $-5.6M | -2.24% | 3.81% | 4.54% |
| Q1 2026 | $500.9M | $412.0M | $343.9M | $40.3M | $-228K | -0.18% | 3.73% | 3.77% |
| Q4 2025 | $513.7M | $404.5M | $350.1M | $40.6M | $973K | 0.19% | 3.56% | 3.86% |
| Q3 2025 | $514.9M | $400.2M | $353.4M | $38.3M | $564K | 0.14% | 3.43% | 4.05% |
| Q2 2025 | $521.0M | $407.9M | $355.1M | $37.1M | $475K | 0.18% | 3.34% | 4.07% |
| Q1 2025 | $536.7M | $418.6M | $358.5M | $35.9M | $125K | 0.09% | 3.39% | 3.46% |
| Q4 2024 | $534.3M | $407.4M | $360.9M | $34.0M | $-577K | -0.11% | 3.25% | 3.30% |
| Q3 2024 | $553.2M | $413.1M | $372.4M | $36.5M | $-7K | -0.00% | 3.22% | 1.49% |
Loan mix (Q2 2026): real estate $315.5M · commercial $13.9M · consumer $1.2M · securities $90.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.24% | 1.24% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -28.9% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 62.9% | 88th |
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.
9 branches in 4 counties across 2 states (+0 vs 2024) · $407.9M branch deposits. Biggest market: Whiteside, IL, ranked 4th with 10.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Whiteside, IL | 4 | $221.9M | 10.33% | 4th |
| Lee, IL | 2 | $122.4M | 12.74% | 3rd |
| Clinton, IA | 1 | $36.4M | 2.11% | 11th |
| 1 more county with Pro → | ||||
Illinois: 162nd with 0.05% · Iowa: 293rd with 0.02% ·
Branch count: 2022 10 · 2023 9 · 2024 9 · 2025 9