| Metric | Anna State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.7 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.6M | $97.1M | $43.4M | $14.2M | $420K | 0.75% | 2.76% | 0.06% |
| Q1 2026 | $112.3M | $97.8M | $43.2M | $14.0M | $231K | 0.82% | 2.69% | 0.16% |
| Q4 2025 | $111.8M | $97.7M | $43.9M | $13.8M | $698K | 0.65% | 2.48% | 0.24% |
| Q3 2025 | $108.6M | $94.2M | $41.9M | $14.0M | $497K | 0.62% | 2.43% | 0.01% |
| Q2 2025 | $106.8M | $92.6M | $43.0M | $13.8M | $304K | 0.57% | 2.37% | 0.05% |
| Q1 2025 | $107.2M | $92.6M | $42.2M | $14.2M | $137K | 0.51% | 2.31% | 0.01% |
| Q4 2024 | $106.7M | $92.3M | $43.0M | $14.0M | $442K | 0.42% | 2.25% | 0.07% |
| Q3 2024 | $105.4M | $90.7M | $42.5M | $14.4M | $370K | 0.47% | 2.22% | 0.13% |
Loan mix (Q2 2026): real estate $39.6M · commercial $885K · consumer $2.2M · securities $43.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Anna State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 62th |
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 | Anna 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 | Anna 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 | Anna 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 | Anna 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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