| Metric | Ashton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.0% | -3.1 pts |
| Deposit growth (YoY) | -1.5% | +2.5% | -4.0 pts |
| Loan growth (YoY) | -1.5% | +2.6% | -4.1 pts |
| ROA | 1.41% | 0.99% | +0.4 pts |
| ROE | 12.0% | 8.1% | +4.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.5M | $44.5M | $34.2M | $6.6M | $385K | 1.41% | 3.59% | 0.56% |
| Q1 2026 | $55.0M | $45.3M | $35.1M | $6.3M | $173K | 1.27% | 3.54% | 0.53% |
| Q4 2025 | $54.3M | $44.1M | $34.9M | $6.3M | $765K | 1.39% | 3.26% | 0.73% |
| Q3 2025 | $53.8M | $44.0M | $33.5M | $6.4M | $587K | 1.42% | 3.19% | 0.39% |
| Q2 2025 | $54.6M | $45.2M | $34.7M | $5.8M | $357K | 1.29% | 3.10% | 2.55% |
| Q1 2025 | $55.3M | $46.2M | $37.1M | $5.5M | $156K | 1.11% | 2.99% | 0.00% |
| Q4 2024 | $56.6M | $45.4M | $38.4M | $5.3M | $482K | 0.87% | 2.84% | 0.01% |
| Q3 2024 | $55.8M | $42.5M | $36.8M | $5.7M | $382K | 0.93% | 2.83% | 0.04% |
Loan mix (Q2 2026): real estate $18.2M · commercial $5.7M · consumer $2.0M · securities $14.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ashton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.99% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 8.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 70.8% | 19th |
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 | Ashton 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 | Ashton 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 | Ashton 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 | Ashton 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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