| Metric | Anstaff Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.5% | -0.3 pts |
| Deposit growth (YoY) | +3.9% | +5.1% | -1.2 pts |
| Loan growth (YoY) | +11.0% | +5.9% | +5.1 pts |
| ROA | 1.91% | 1.26% | +0.7 pts |
| ROE | 20.4% | 12.2% | +8.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.06B | $901.6M | $112.8M | $11.2M | 1.91% | 4.01% | 0.15% |
| Q1 2026 | $1.18B | $1.06B | $870.0M | $110.0M | $5.5M | 1.90% | 3.90% | 0.12% |
| Q4 2025 | $1.14B | $1.03B | $839.8M | $106.1M | $19.0M | 1.71% | 3.73% | 0.17% |
| Q3 2025 | $1.15B | $1.03B | $823.5M | $102.4M | $13.7M | 1.66% | 3.65% | 0.17% |
| Q2 2025 | $1.12B | $1.02B | $812.1M | $93.9M | $8.6M | 1.58% | 3.58% | 0.13% |
| Q1 2025 | $1.09B | $991.0M | $776.8M | $91.8M | $4.1M | 1.53% | 3.45% | 0.09% |
| Q4 2024 | $1.06B | $966.3M | $763.9M | $87.0M | $12.1M | 1.18% | 3.12% | 0.11% |
| Q3 2024 | $1.06B | $956.4M | $746.2M | $90.9M | $8.4M | 1.10% | 3.03% | 0.10% |
Loan mix (Q2 2026): real estate $757.4M · commercial $81.8M · consumer $28.5M · securities $185.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Anstaff Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31th |
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 | Anstaff 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 | Anstaff 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 | Anstaff 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 | Anstaff 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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