| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.2 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $421.2M | $369.1M | $279.0M | $38.9M | $2.4M | 1.11% | 3.64% | 0.11% |
| Q1 2026 | $431.7M | $379.7M | $271.5M | $38.0M | $1.1M | 1.04% | 3.53% | 0.19% |
| Q4 2025 | $434.3M | $383.1M | $275.0M | $36.9M | $3.9M | 0.96% | 3.58% | 0.18% |
| Q3 2025 | $391.2M | $340.6M | $266.8M | $35.9M | $2.8M | 0.95% | 3.55% | 0.21% |
| Q2 2025 | $391.8M | $343.7M | $264.8M | $33.5M | $1.8M | 0.93% | 3.52% | 0.42% |
| Q1 2025 | $396.9M | $346.0M | $264.0M | $33.1M | $954K | 0.98% | 3.46% | 0.75% |
| Q4 2024 | $384.4M | $334.2M | $267.6M | $31.7M | $3.4M | 0.89% | 3.24% | 0.51% |
| Q3 2024 | $387.2M | $332.7M | $256.2M | $32.6M | $2.5M | 0.85% | 3.15% | 0.45% |
Loan mix (Q2 2026): real estate $191.1M · commercial $39.3M · consumer $18.8M · securities $82.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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 2024) · $343.7M branch deposits. Biggest market: Wabash, IL, ranked 1st with 66.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wabash, IL | 2 | $326.4M | 66.89% | 1st |
| Edwards, IL | 1 | $17.3M | 9.22% | 2nd |
Illinois: 170th with 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3