| Metric | Teutopolis State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | -5.2% | +4.0% | -9.2 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.2 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $358.5M | $309.0M | $180.6M | $48.5M | $3.2M | 1.77% | 3.68% | 0.00% |
| Q1 2026 | $357.1M | $308.5M | $180.4M | $47.0M | $1.4M | 1.63% | 3.60% | 0.00% |
| Q4 2025 | $355.0M | $307.5M | $177.2M | $46.4M | $5.6M | 1.57% | 3.44% | 0.01% |
| Q3 2025 | $348.1M | $300.5M | $176.3M | $46.4M | $4.3M | 1.63% | 3.39% | 0.22% |
| Q2 2025 | $370.6M | $326.0M | $178.2M | $43.4M | $2.9M | 1.61% | 3.31% | 0.00% |
| Q1 2025 | $352.4M | $309.6M | $176.1M | $41.2M | $1.3M | 1.52% | 3.25% | 0.00% |
| Q4 2024 | $347.7M | $307.7M | $177.9M | $38.6M | $4.2M | 1.26% | 2.98% | 0.00% |
| Q3 2024 | $340.8M | $298.6M | $177.2M | $41.0M | $3.2M | 1.28% | 2.91% | 0.08% |
Loan mix (Q2 2026): real estate $140.4M · commercial $23.3M · consumer $6.0M · securities $139.4M
| Ratio | Teutopolis State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.6% | 62.9% | 2nd |
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 | Teutopolis 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 | Teutopolis 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 | Teutopolis 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 | Teutopolis 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 | Teutopolis 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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $326.0M branch deposits. Biggest market: Effingham, IL, ranked 4th with 10.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Effingham, IL | 2 | $291.3M | 10.84% | 4th |
| Shelby, IL | 1 | $34.7M | 5.27% | 5th |
Illinois: 181st with 0.04% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3