| 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% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92th | |
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% | 21th |
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 |
|---|---|---|---|---|
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% |
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