| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.0% | +0.4 pts |
| Deposit growth (YoY) | +3.2% | +2.5% | +0.7 pts |
| Loan growth (YoY) | -2.6% | +2.6% | -5.2 pts |
| ROA | 0.65% | 0.99% | -0.3 pts |
| ROE | 5.3% | 8.1% | -2.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.6M | $70.9M | $50.3M | $9.7M | $257K | 0.65% | 3.58% | 0.00% |
| Q1 2026 | $78.7M | $68.2M | $48.5M | $9.6M | $114K | 0.58% | 3.52% | 0.00% |
| Q4 2025 | $77.6M | $67.3M | $49.9M | $9.5M | $600K | 0.77% | 3.67% | 0.00% |
| Q3 2025 | $78.0M | $67.7M | $49.8M | $9.3M | $384K | 0.66% | 3.69% | 0.00% |
| Q2 2025 | $78.9M | $68.7M | $51.6M | $9.2M | $263K | 0.68% | 3.68% | 0.00% |
| Q1 2025 | $81.1M | $71.1M | $54.0M | $9.1M | $115K | 0.59% | 3.55% | 0.00% |
| Q4 2024 | $73.7M | $64.0M | $55.1M | $9.1M | $488K | 0.60% | 3.06% | 0.00% |
| Q3 2024 | $74.8M | $65.0M | $53.6M | $8.9M | $280K | 0.45% | 2.85% | 0.09% |
Loan mix (Q2 2026): real estate $48.2M · commercial $2.9M · consumer $81K · securities $520K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Bourbonnais | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.99% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 8.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 70.8% | 57th |
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 | The Bank of Bourbonnais | 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 | The Bank of Bourbonnais | 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 | The Bank of Bourbonnais | 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 | The Bank of Bourbonnais | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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