| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.9% | -6.2 pts |
| Deposit growth (YoY) | -5.5% | +4.3% | -9.8 pts |
| Loan growth (YoY) | -12.5% | +5.3% | -17.8 pts |
| ROA | 0.69% | 1.28% | -0.6 pts |
| ROE | 6.6% | 12.5% | -5.9 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $620.9M | $410.2M | $282.5M | $64.7M | $2.1M | 0.69% | 2.42% | 0.70% |
| Q1 2026 | $627.5M | $423.9M | $277.2M | $66.0M | $1.0M | 0.66% | 2.40% | 0.92% |
| Q4 2025 | $623.1M | $421.1M | $296.4M | $64.1M | $3.6M | 0.57% | 2.20% | 0.96% |
| Q3 2025 | $614.9M | $413.8M | $307.1M | $62.6M | $2.3M | 0.49% | 2.15% | 1.06% |
| Q2 2025 | $629.2M | $434.0M | $322.8M | $56.0M | $1.6M | 0.49% | 2.09% | 1.47% |
| Q1 2025 | $649.6M | $452.2M | $336.8M | $58.2M | $704K | 0.44% | 2.07% | 1.53% |
| Q4 2024 | $642.2M | $443.7M | $359.9M | $59.1M | $4.1M | 0.64% | 2.26% | 1.29% |
| Q3 2024 | $630.8M | $419.7M | $379.8M | $63.7M | $3.5M | 0.73% | 2.26% | 1.86% |
Loan mix (Q2 2026): real estate $162.7M · commercial $77.4M · consumer $4.3M · securities $277.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.5% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 61.1% | 88th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $410.2M branch deposits. Biggest market: Wayne, IL, ranked 1st with 62.9% of deposits.
Illinois: 154th with 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (15 bps of assets, 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).