| Metric | Arthur State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | +1.0% | +4.3% | -3.4 pts |
| Loan growth (YoY) | +6.0% | +5.3% | +0.7 pts |
| ROA | 1.12% | 1.28% | -0.2 pts |
| ROE | 16.8% | 12.4% | +4.4 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $831.9M | $686.1M | $612.6M | $56.6M | $4.6M | 1.12% | 4.52% | 0.46% |
| Q1 2026 | $825.8M | $692.5M | $599.8M | $55.0M | $2.2M | 1.07% | 4.44% | 0.46% |
| Q4 2025 | $814.4M | $666.7M | $591.7M | $53.8M | $9.3M | 1.17% | 4.43% | 0.44% |
| Q3 2025 | $825.9M | $685.3M | $593.7M | $52.5M | $6.9M | 1.15% | 4.38% | 0.40% |
| Q2 2025 | $807.2M | $679.5M | $577.7M | $50.1M | $4.4M | 1.12% | 4.36% | 0.43% |
| Q1 2025 | $788.7M | $682.6M | $563.0M | $48.0M | $2.1M | 1.08% | 4.27% | 0.47% |
| Q4 2024 | $773.8M | $683.0M | $543.5M | $46.2M | $6.8M | 0.90% | 4.00% | 0.45% |
| Q3 2024 | $751.1M | $684.5M | $534.0M | $45.0M | $4.4M | 0.79% | 3.81% | 0.46% |
Loan mix (Q2 2026): real estate $582.3M · commercial $26.2M · consumer $5.7M · securities $136.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Arthur State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.28% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 12.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 61.2% | 74th |
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 | Arthur 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 | Arthur 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 | Arthur 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 | Arthur 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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