| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +11.9% | +4.0% | +7.9 pts |
| Loan growth (YoY) | +20.1% | +5.6% | +14.5 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 21.8% | 11.9% | +10.0 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.5M | $90.7M | $72.8M | $7.1M | $745K | 1.42% | 2.99% | 0.01% |
| Q1 2026 | $106.8M | $90.8M | $72.6M | $6.8M | $359K | 1.37% | 2.91% | 0.00% |
| Q4 2025 | $102.7M | $88.0M | $70.3M | $6.5M | $767K | 0.78% | 2.63% | 0.00% |
| Q3 2025 | $102.0M | $85.3M | $66.5M | $6.5M | $633K | 0.87% | 2.53% | 0.00% |
| Q2 2025 | $96.4M | $81.1M | $60.6M | $5.2M | $384K | 0.81% | 2.51% | 0.00% |
| Q1 2025 | $96.2M | $80.5M | $59.6M | $5.1M | $177K | 0.75% | 2.44% | 0.00% |
| Q4 2024 | $92.7M | $76.9M | $57.7M | $4.1M | $521K | 0.58% | 2.13% | 0.00% |
| Q3 2024 | $90.5M | $65.2M | $53.0M | $5.8M | $308K | 0.46% | 2.04% | 0.00% |
Loan mix (Q2 2026): real estate $66.4M · commercial $404K · consumer $5.1M · securities $26.6M
| Ratio | The Corn City State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 62.9% | 21st |
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 Corn City 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 | The Corn City 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 | The Corn City 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 | The Corn City 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 | The Corn City 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.
The Corn City State Bank is in an open deal as the acquirer: The Corn City State Bank: internal reorganization (approved, filed Aug 3, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 18, 2026 | Acquirer | — | Reorganization | Approved | FDIC |
| Sep 2, 2026 | Target | Community Partners Bancorp, Inc. | Other | Approved | Federal Reserve |
| Jul 20, 2026 | Target | Danelda H. Drewes Trust, Danelda H. Drewes, as trustee, Robert L. Drewes Trust, … | Change in control | Approved | Federal Reserve |
Technology spend up 61% in 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).