| Metric | Anderson State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.4% | -7.7 pts |
| Deposit growth (YoY) | -5.5% | +4.0% | -9.5 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.5 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 9.1% | 11.9% | -2.8 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.9M | $90.3M | $46.0M | $18.4M | $824K | 1.54% | 3.11% | 0.00% |
| Q1 2026 | $107.4M | $89.1M | $47.1M | $18.1M | $401K | 1.52% | 3.04% | 0.00% |
| Q4 2025 | $104.1M | $86.2M | $46.4M | $17.8M | $1.4M | 1.25% | 2.90% | 0.00% |
| Q3 2025 | $117.5M | $99.6M | $45.9M | $17.6M | $1.0M | 1.25% | 2.83% | 0.00% |
| Q2 2025 | $112.6M | $95.6M | $44.2M | $16.8M | $637K | 1.16% | 2.77% | 0.00% |
| Q1 2025 | $111.2M | $94.8M | $42.6M | $16.2M | $303K | 1.12% | 2.67% | 0.00% |
| Q4 2024 | $104.9M | $89.4M | $38.4M | $15.4M | $1.2M | 1.13% | 2.47% | 0.00% |
| Q3 2024 | $110.5M | $94.5M | $38.4M | $15.8M | $921K | 1.15% | 2.43% | 0.00% |
Loan mix (Q2 2026): real estate $23.1M · commercial $1.9M · consumer $1.8M · securities $37.3M
| Ratio | Anderson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 62.9% | 16th |
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 | Anderson 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 | Anderson 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 | Anderson 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 | Anderson 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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