| Metric | Town Center Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.9 pts |
| Deposit growth (YoY) | +14.0% | +4.0% | +10.1 pts |
| Loan growth (YoY) | +13.3% | +5.6% | +7.7 pts |
| ROA | 0.25% | 1.24% | -1.0 pts |
| ROE | 2.2% | 11.9% | -9.7 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.6M | $138.3M | $140.6M | $20.4M | $224K | 0.25% | 3.97% | 1.33% |
| Q1 2026 | $174.7M | $132.4M | $133.0M | $20.5M | $308K | 0.70% | 3.88% | 1.72% |
| Q4 2025 | $179.4M | $134.3M | $130.7M | $20.3M | $1.6M | 0.92% | 3.98% | 1.67% |
| Q3 2025 | $169.2M | $121.6M | $126.6M | $19.8M | $1.1M | 0.89% | 3.95% | 1.79% |
| Q2 2025 | $162.4M | $121.3M | $124.1M | $19.4M | $677K | 0.82% | 3.87% | 0.00% |
| Q1 2025 | $168.5M | $127.9M | $113.1M | $19.1M | $334K | 0.80% | 3.80% | 0.00% |
| Q4 2024 | $165.3M | $124.9M | $116.6M | $18.6M | $1.5M | 0.97% | 4.40% | 0.00% |
| Q3 2024 | $164.2M | $124.2M | $116.1M | $18.3M | $1.1M | 0.95% | 4.46% | 0.00% |
Loan mix (Q2 2026): real estate $108.8M · commercial $30.9M · consumer $2.4M · securities $14.8M
| Ratio | Town Center Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
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 | Town Center 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 | Town Center 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 | Town Center 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 | Town Center 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 | Town Center 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.
2 branches in 1 county across 1 state (+0 vs 2024) · $121.3M branch deposits. Biggest market: Will, IL, ranked 25th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Will, IL | 2 | $121.3M | 0.50% | 25th |
Illinois: 324th with 0.02% · Chicago-Naperville-Elgin metro: 146th, 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2