| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $430.5M | $379.8M | $246.3M | $48.7M | $2.3M | 1.10% | 3.06% | 0.22% |
| Q1 2026 | $429.6M | $378.3M | $232.3M | $48.2M | $1.2M | 1.09% | 2.99% | 0.30% |
| Q4 2025 | $417.7M | $367.0M | $239.6M | $47.1M | $3.6M | 0.87% | 2.80% | 0.22% |
| Q3 2025 | $415.5M | $361.3M | $235.7M | $46.1M | $2.5M | 0.80% | 2.73% | 0.22% |
| Q2 2025 | $415.5M | $371.9M | $226.9M | $41.8M | $1.6M | 0.78% | 2.69% | 0.12% |
| Q1 2025 | $410.8M | $367.9M | $217.1M | $41.1M | $702K | 0.69% | 2.61% | 0.12% |
| Q4 2024 | $407.3M | $367.5M | $226.4M | $38.4M | $2.0M | 0.51% | 2.31% | 0.24% |
| Q3 2024 | $405.1M | $360.9M | $224.0M | $42.2M | $1.5M | 0.49% | 2.25% | 0.07% |
Loan mix (Q2 2026): real estate $185.2M · commercial $16.4M · consumer $2.9M · securities $148.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 62.9% | 31st |
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 3 counties across 1 state (+0 vs 2025) · $379.8M branch deposits. Biggest market: Pulaski, IN, ranked 1st with 48.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, IN | 2 | $261.6M | 48.24% | 1st |
| Starke, IN | 1 | $73.0M | 16.63% | 3rd |
| Marshall, IN | 1 | $45.1M | 2.74% | 11th |
Indiana: 87th with 0.15% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (25 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).