| Metric | Arlington State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -2.4% | +2.5% | -4.9 pts |
| Loan growth (YoY) | +10.6% | +2.6% | +8.0 pts |
| ROA | 0.14% | 0.99% | -0.9 pts |
| ROE | 2.2% | 8.1% | -5.9 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.7M | $52.7M | $19.8M | $3.5M | $38K | 0.14% | 2.77% | 0.75% |
| Q1 2026 | $56.6M | $52.8M | $20.0M | $3.3M | $21K | 0.15% | 2.73% | 0.02% |
| Q4 2025 | $55.1M | $50.9M | $19.8M | $3.6M | $203K | 0.36% | 2.61% | 0.01% |
| Q3 2025 | $53.6M | $49.8M | $19.3M | $3.3M | $163K | 0.39% | 2.60% | 0.05% |
| Q2 2025 | $57.5M | $54.0M | $17.9M | $2.9M | $153K | 0.53% | 2.57% | 0.02% |
| Q1 2025 | $56.9M | $53.9M | $17.3M | $2.5M | $85K | 0.59% | 2.52% | 0.02% |
| Q4 2024 | $57.5M | $54.8M | $18.1M | $2.0M | $157K | 0.26% | 2.51% | 0.01% |
| Q3 2024 | $57.7M | $54.4M | $17.7M | $2.7M | $116K | 0.26% | 2.50% | 0.02% |
Loan mix (Q2 2026): real estate $16.2M · commercial $1.4M · consumer $1.7M · securities $25.0M
| Ratio | Arlington State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.99% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 8.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 70.8% | 86th |
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 | Arlington 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 | Arlington 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 | Arlington 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 | Arlington 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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