| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.0% | -1.6 pts |
| Deposit growth (YoY) | +2.1% | +2.5% | -0.4 pts |
| Loan growth (YoY) | +8.3% | +2.6% | +5.7 pts |
| ROA | 0.75% | 0.99% | -0.2 pts |
| ROE | 4.0% | 8.1% | -4.1 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.0M | $76.8M | $58.5M | $18.8M | $370K | 0.75% | 3.82% | 0.01% |
| Q1 2026 | $99.0M | $79.0M | $57.6M | $18.7M | $172K | 0.70% | 3.72% | 0.01% |
| Q4 2025 | $98.2M | $78.0M | $57.5M | $18.6M | $815K | 0.85% | 3.87% | 0.11% |
| Q3 2025 | $98.8M | $78.3M | $55.0M | $18.9M | $609K | 0.85% | 3.84% | 0.43% |
| Q2 2025 | $95.6M | $75.3M | $54.0M | $18.9M | $378K | 0.80% | 3.84% | 0.02% |
| Q1 2025 | $95.4M | $75.3M | $55.9M | $18.7M | $174K | 0.74% | 3.74% | 0.08% |
| Q4 2024 | $93.2M | $73.1M | $55.7M | $18.6M | $837K | 0.89% | 3.97% | 0.00% |
| Q3 2024 | $92.6M | $72.2M | $54.5M | $18.8M | $684K | 0.97% | 3.95% | 0.00% |
Loan mix (Q2 2026): real estate $48.3M · commercial $2.5M · consumer $1.5M · securities $19.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.99% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 8.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 70.8% | 61st |
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.
4 branches in 1 county across 1 state (+0 vs 2025) · $76.8M branch deposits. Biggest market: Champaign, OH, ranked 6th with 8.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Champaign, OH | 4 | $76.8M | 8.03% | 6th |
Ohio: 244th with 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (22 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).