| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +5.5% | +8.1 pts |
| Deposit growth (YoY) | +12.2% | +5.1% | +7.1 pts |
| Loan growth (YoY) | +12.1% | +5.9% | +6.2 pts |
| ROA | 2.09% | 1.26% | +0.8 pts |
| ROE | 20.6% | 12.2% | +8.5 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.63B | $2.96B | $2.77B | $362.7M | $36.8M | 2.09% | 3.68% | 0.36% |
| Q1 2026 | $3.47B | $2.83B | $2.66B | $362.0M | $19.9M | 2.28% | 3.66% | 0.49% |
| Q4 2025 | $3.50B | $2.87B | $2.65B | $346.1M | $60.9M | 1.87% | 3.70% | 0.33% |
| Q3 2025 | $3.35B | $2.80B | $2.56B | $329.4M | $45.7M | 1.91% | 3.69% | 0.43% |
| Q2 2025 | $3.19B | $2.64B | $2.47B | $326.4M | $30.5M | 1.94% | 3.63% | 0.40% |
| Q1 2025 | $3.11B | $2.57B | $2.42B | $324.0M | $13.6M | 1.76% | 3.68% | 0.37% |
| Q4 2024 | $3.10B | $2.57B | $2.45B | $307.3M | $55.9M | 1.97% | 3.86% | 0.36% |
| Q3 2024 | $2.90B | $2.38B | $2.26B | $299.3M | $41.0M | 1.98% | 3.91% | 0.19% |
Loan mix (Q2 2026): real estate $865.6M · commercial $1.21B · consumer $355.1M · securities $643.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 1.26% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 12.2% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 30.4% | 59.0% | 2nd |
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.
8 branches in 1 county across 1 state (+0 vs 2024) · $2.64B branch deposits. Biggest market: Cook, IL, ranked 20th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 8 | $2.64B | 0.57% | 20th |
Illinois: 36th with 0.35% · Chicago-Naperville-Elgin metro: 28th, 0.42% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8