| Metric | Anchor State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.5% | +3.0% | +22.5 pts |
| Deposit growth (YoY) | +27.1% | +2.5% | +24.6 pts |
| Loan growth (YoY) | -4.5% | +2.6% | -7.1 pts |
| ROA | 0.96% | 0.99% | -0.0 pts |
| ROE | 8.0% | 8.1% | -0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.5M | $64.2M | $31.0M | $8.7M | $344K | 0.96% | 3.65% | 0.02% |
| Q1 2026 | $76.4M | $67.2M | $29.2M | $8.6M | $149K | 0.84% | 3.65% | 0.40% |
| Q4 2025 | $65.1M | $55.9M | $31.1M | $8.5M | $585K | 0.94% | 3.58% | 0.78% |
| Q3 2025 | $64.8M | $56.8M | $31.8M | $7.4M | $507K | 1.10% | 3.58% | 0.78% |
| Q2 2025 | $58.5M | $50.5M | $32.5M | $7.4M | $531K | 1.76% | 3.73% | 0.00% |
| Q1 2025 | $64.3M | $56.8M | $32.0M | $7.1M | $242K | 1.58% | 3.43% | 0.00% |
| Q4 2024 | $58.5M | $51.3M | $32.6M | $6.9M | $270K | 0.52% | 3.68% | 0.00% |
| Q3 2024 | $56.4M | $49.2M | $32.3M | $6.9M | $146K | 0.38% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $16.9M · commercial $5.9M · consumer $467K · securities $13.1M
| Ratio | Anchor State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.99% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 8.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 70.8% | 63th |
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 | Anchor 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 | Anchor 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 | Anchor 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 | Anchor State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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