| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.9% | +4.4% | +25.5 pts |
| Deposit growth (YoY) | +29.3% | +4.0% | +25.4 pts |
| Loan growth (YoY) | +22.2% | +5.6% | +16.7 pts |
| ROA | 3.19% | 1.24% | +1.9 pts |
| ROE | 22.0% | 11.9% | +10.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $279.3M | $237.0M | $205.0M | $41.7M | $4.5M | 3.19% | 5.20% | 0.93% |
| Q1 2026 | $286.6M | $244.4M | $198.4M | $41.4M | $2.3M | 3.28% | 5.10% | 0.99% |
| Q4 2025 | $283.7M | $243.1M | $196.2M | $40.0M | $8.5M | 3.04% | 5.17% | 0.88% |
| Q3 2025 | $219.1M | $185.0M | $172.1M | $30.7M | $5.6M | 3.41% | 5.52% | 1.13% |
| Q2 2025 | $215.0M | $183.3M | $167.7M | $29.2M | $3.7M | 3.36% | 5.45% | 1.20% |
| Q1 2025 | $222.0M | $193.0M | $163.5M | $28.6M | $1.8M | 3.16% | 5.31% | 1.07% |
| Q4 2024 | $222.6M | $194.8M | $159.1M | $27.3M | $5.3M | 2.43% | 5.17% | 1.08% |
| Q3 2024 | $212.4M | $182.4M | $161.4M | $28.2M | $4.6M | 2.84% | 5.14% | 1.56% |
Loan mix (Q2 2026): real estate $129.1M · commercial $57.9M · consumer $4.0M · securities $25.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.19% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.6% | 62.9% | 4th |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Nov 7, 2025 | Acquirer | — | Reorganization | Completed | FDIC |
6 branches in 3 counties across 2 states (+1 vs 2025) · $237.0M branch deposits. Biggest market: Adams, IL, ranked 6th with 6.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, IL | 3 | $148.5M | 6.04% | 6th |
| Hancock, IL | 1 | $50.0M | 6.58% | 4th |
| Lewis, MO | 2 | $38.6M | 10.63% | 3rd |
Illinois: 259th with 0.02% · Missouri: 294th with 0.01% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6
Spends about half what peers do on technology. 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).