| Metric | The Bank of Herrin | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +10.9% | +5.6% | +5.3 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 20.5% | 11.9% | +8.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $349.2M | $326.5M | $229.3M | $21.6M | $2.2M | 1.23% | 3.58% | 0.55% |
| Q1 2026 | $359.1M | $337.9M | $231.0M | $20.3M | $1.1M | 1.21% | 3.53% | 0.47% |
| Q4 2025 | $349.5M | $326.9M | $228.2M | $21.8M | $3.6M | 1.06% | 3.45% | 0.43% |
| Q3 2025 | $350.7M | $330.1M | $215.8M | $19.6M | $2.6M | 1.03% | 3.44% | 0.41% |
| Q2 2025 | $343.0M | $324.7M | $206.8M | $17.3M | $1.8M | 1.05% | 3.41% | 0.47% |
| Q1 2025 | $339.8M | $323.5M | $205.6M | $15.4M | $865K | 1.03% | 3.34% | 0.39% |
| Q4 2024 | $333.8M | $318.3M | $205.3M | $14.4M | $3.0M | 0.92% | 3.35% | 0.45% |
| Q3 2024 | $323.5M | $305.7M | $202.4M | $16.8M | $2.1M | 0.87% | 3.35% | 0.28% |
Loan mix (Q2 2026): real estate $146.4M · commercial $75.8M · consumer $3.8M · securities $98.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Herrin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 62.9% | 63th |
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 Herrin | 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 Herrin | 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 Herrin | 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 Herrin | 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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