| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.9% | +4.4% | -17.2 pts |
| Deposit growth (YoY) | -2.3% | +4.0% | -6.2 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.7 pts |
| ROA | -18.93% | 1.24% | -20.2 pts |
| ROE | -80.8% | 11.9% | -92.7 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.0M | $106.5M | $39.7M | $28.8M | $-13.5M | -18.93% | 2.90% | 0.35% |
| Q1 2026 | $137.0M | $106.7M | $39.7M | $28.6M | $-14.1M | -38.54% | 2.74% | 0.36% |
| Q4 2025 | $154.8M | $105.2M | $39.8M | $43.1M | $-107K | -0.07% | 1.36% | 0.37% |
| Q3 2025 | $155.1M | $108.4M | $39.0M | $42.9M | $-52K | -0.04% | 1.35% | 0.26% |
| Q2 2025 | $157.3M | $108.9M | $39.4M | $42.8M | $-16K | -0.02% | 1.30% | 0.39% |
| Q1 2025 | $158.4M | $109.0M | $38.0M | $42.7M | $-43K | -0.11% | 1.23% | 0.42% |
| Q4 2024 | $158.2M | $108.9M | $37.9M | $42.7M | $-286K | -0.18% | 1.15% | 0.40% |
| Q3 2024 | $161.3M | $111.8M | $37.7M | $42.9M | $-86K | -0.07% | 1.15% | 0.41% |
Loan mix (Q2 2026): real estate $37.8M · commercial $0 · consumer $2.3M · securities $78.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -18.93% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -80.8% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21st |
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 2025) · $106.5M branch deposits. Biggest market: La Salle, IL, ranked 14th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Salle, IL | 1 | $106.5M | 2.22% | 14th |
Illinois: 349th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. 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).