| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +12.1% | +4.0% | +8.1 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 17.8% | 11.9% | +5.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $375.5M | $326.2M | $282.4M | $33.5M | $3.0M | 1.62% | 4.10% | 0.99% |
| Q1 2026 | $369.3M | $320.0M | $273.4M | $33.9M | $1.5M | 1.63% | 4.00% | 0.43% |
| Q4 2025 | $364.1M | $308.1M | $269.1M | $33.8M | $5.5M | 1.58% | 3.87% | 0.44% |
| Q3 2025 | $365.4M | $309.4M | $266.3M | $32.5M | $3.9M | 1.51% | 3.83% | 0.24% |
| Q2 2025 | $347.5M | $291.1M | $258.5M | $29.7M | $2.7M | 1.57% | 3.80% | 0.40% |
| Q1 2025 | $335.4M | $279.5M | $250.2M | $29.8M | $1.3M | 1.49% | 3.83% | 0.32% |
| Q4 2024 | $336.8M | $283.4M | $250.1M | $28.4M | $4.3M | 1.28% | 3.48% | 0.24% |
| Q3 2024 | $346.4M | $292.6M | $245.1M | $29.2M | $3.4M | 1.35% | 3.45% | 0.34% |
Loan mix (Q2 2026): real estate $250.4M · commercial $22.1M · consumer $6.3M · securities $60.7M
| Ratio | The Fisher National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 11.9% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 62.9% | 39th |
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 | The Fisher National Bank | 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 | The Fisher National Bank | 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 | The Fisher National Bank | 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 | The Fisher National Bank | 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 | The Fisher National Bank | 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.
6 branches in 2 counties across 1 state (+1 vs 2024) · $291.1M branch deposits. Biggest market: Champaign, IL, ranked 7th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Champaign, IL | 3 | $213.3M | 2.94% | 7th |
| Vermilion, IL | 3 | $77.9M | 5.62% | 7th |
Illinois: 199th with 0.04% · Champaign-Urbana metro: 10th, 2.53% ·
Branch count: 2022 3 · 2023 5 · 2024 5 · 2025 6