| Metric | Table Grove State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.0% | -1.1 pts |
| Deposit growth (YoY) | +1.9% | +2.4% | -0.5 pts |
| Loan growth (YoY) | +0.7% | +2.6% | -1.9 pts |
| ROA | -0.19% | 1.00% | -1.2 pts |
| ROE | -1.6% | 8.1% | -9.6 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.9M | $40.2M | $32.4M | $5.5M | $-44K | -0.19% | 4.43% | 1.17% |
| Q1 2026 | $47.8M | $42.1M | $33.0M | $5.5M | $-52K | -0.44% | 4.34% | 0.15% |
| Q4 2025 | $47.3M | $41.1M | $33.4M | $6.0M | $512K | 1.09% | 4.60% | 0.25% |
| Q3 2025 | $45.7M | $38.8M | $33.1M | $5.8M | $370K | 1.05% | 4.58% | 1.53% |
| Q2 2025 | $45.0M | $39.4M | $32.1M | $5.4M | $211K | 0.89% | 4.58% | 5.91% |
| Q1 2025 | $49.4M | $43.6M | $31.2M | $5.4M | $100K | 0.82% | 4.46% | 0.07% |
| Q4 2024 | $48.3M | $42.5M | $34.2M | $5.5M | $335K | 0.72% | 4.68% | 0.16% |
| Q3 2024 | $45.1M | $39.3M | $31.1M | $5.6M | $141K | 0.41% | 4.71% | 0.03% |
Loan mix (Q2 2026): real estate $16.4M · commercial $3.9M · consumer $4.3M · securities $10.7M
| Ratio | Table Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 1.00% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 8.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.8% | 70.7% | 87th |
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 | Table Grove State Bank | 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 | Table Grove State Bank | 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 | Table Grove State Bank | 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 | Table Grove State Bank | 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 | Table Grove State Bank | 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) · $40.2M branch deposits. Biggest market: Fulton, IL, ranked 8th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fulton, IL | 1 | $40.2M | 3.27% | 8th |
Illinois: 446th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (36 bps of assets, 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).