No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $444.4M | $343.9M | $244.9M | $47.5M | $1.7M | 0.75% | 2.98% | 0.97% |
| Q1 2026 | $442.0M | $348.9M | $235.0M | $47.3M | $780K | 0.70% | 2.97% | 0.80% |
| Q4 2025 | $443.5M | $346.1M | $231.8M | $47.6M | $3.6M | 0.80% | 2.79% | 0.91% |
| Q3 2025 | $446.0M | $348.9M | $232.7M | $45.3M | $2.6M | 0.79% | 2.72% | 0.94% |
| Q2 2025 | $441.9M | $350.2M | $226.2M | $42.2M | $1.7M | 0.76% | 2.69% | 0.97% |
| Q1 2025 | $451.3M | $353.3M | $218.8M | $42.6M | $700K | 0.63% | 2.58% | 0.92% |
| Q4 2024 | $438.0M | $347.7M | $220.2M | $40.3M | $2.5M | 0.57% | 2.57% | 0.86% |
| Q3 2024 | $445.6M | $351.4M | $216.8M | $44.7M | $1.9M | 0.56% | 2.51% | 0.75% |
Loan mix (Q2 2026): real estate $207.4M · commercial $16.2M · consumer $12.4M · securities $165.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 62.9% | 64th |
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.
2 branches in 1 county across 1 state (+0 vs 2024) · $350.2M branch deposits. Biggest market: Massac, IL, ranked 1st with 67.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Massac, IL | 2 | $350.2M | 67.83% | 1st |
Illinois: 169th with 0.05% · Paducah metro: 2nd, 9.50% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2