| Metric | Adams State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.0% | -2.3 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | +2.4% | +2.6% | -0.2 pts |
| ROA | 1.59% | 0.99% | +0.6 pts |
| ROE | 10.2% | 8.1% | +2.1 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.2M | $54.2M | $48.9M | $11.0M | $557K | 1.59% | 3.74% | 0.06% |
| Q1 2026 | $70.6M | $54.1M | $49.5M | $10.9M | $205K | 1.17% | 3.73% | 0.13% |
| Q4 2025 | $69.6M | $50.7M | $51.0M | $10.8M | $725K | 1.02% | 3.52% | 0.03% |
| Q3 2025 | $71.4M | $52.5M | $50.5M | $10.6M | $485K | 0.91% | 3.40% | 0.08% |
| Q2 2025 | $69.6M | $52.8M | $47.7M | $10.3M | $296K | 0.83% | 3.32% | 0.03% |
| Q1 2025 | $73.2M | $55.5M | $47.6M | $10.1M | $190K | 1.05% | 3.15% | 0.11% |
| Q4 2024 | $71.0M | $52.2M | $49.2M | $9.8M | $198K | 0.28% | 2.64% | 0.09% |
| Q3 2024 | $73.1M | $55.7M | $46.8M | $9.9M | $54K | 0.10% | 2.54% | 0.03% |
Loan mix (Q2 2026): real estate $23.6M · commercial $3.8M · consumer $4.0M · securities $16.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Adams State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.99% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 8.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 70.8% | 15th |
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 | Adams State 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 | Adams State 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 | Adams State 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 | Adams State 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.