| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.0% | +4.6 pts |
| Deposit growth (YoY) | +8.0% | +2.5% | +5.5 pts |
| Loan growth (YoY) | +3.4% | +2.6% | +0.8 pts |
| ROA | 0.93% | 0.99% | -0.1 pts |
| ROE | 9.6% | 8.1% | +1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.7M | $31.2M | $17.0M | $3.3M | $159K | 0.93% | 4.24% | 0.13% |
| Q1 2026 | $35.3M | $31.8M | $16.7M | $3.3M | $66K | 0.78% | 4.11% | 0.14% |
| Q4 2025 | $32.7M | $29.2M | $16.8M | $3.3M | $259K | 0.80% | 4.16% | 0.14% |
| Q3 2025 | $32.2M | $28.9M | $16.8M | $3.3M | $208K | 0.86% | 4.12% | 0.19% |
| Q2 2025 | $32.3M | $28.9M | $16.4M | $3.2M | $132K | 0.82% | 4.09% | 0.16% |
| Q1 2025 | $32.4M | $29.1M | $15.9M | $3.2M | $65K | 0.80% | 4.01% | 0.17% |
| Q4 2024 | $32.4M | $28.6M | $16.1M | $3.1M | $209K | 0.66% | 3.95% | 0.76% |
| Q3 2024 | $30.8M | $27.5M | $16.2M | $3.1M | $159K | 0.68% | 3.94% | 0.17% |
Loan mix (Q2 2026): real estate $12.0M · commercial $1.5M · consumer $2.8M · securities $8.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.99% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 8.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 70.8% | 68th |
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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $28.9M branch deposits. Biggest market: Union, IL, ranked 4th with 7.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, IL | 1 | $28.9M | 7.31% | 4th |
| Pulaski, IL | 1 | $0 | 0.00% | 3rd |
Illinois: 462nd with 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2