| Metric | Auburn State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | -5.7% | +4.0% | -9.6 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $251.3M | $216.9M | $108.1M | $31.4M | $1.5M | 1.19% | 2.80% | 0.00% |
| Q1 2026 | $250.2M | $217.8M | $109.2M | $29.4M | $724K | 1.15% | 2.70% | 0.00% |
| Q4 2025 | $255.5M | $221.4M | $110.9M | $31.1M | $2.6M | 1.01% | 2.68% | 0.00% |
| Q3 2025 | $259.8M | $227.6M | $109.6M | $29.1M | $1.9M | 0.98% | 2.64% | 0.00% |
| Q2 2025 | $259.1M | $230.0M | $109.5M | $26.1M | $1.2M | 0.95% | 2.63% | 0.00% |
| Q1 2025 | $258.2M | $229.2M | $105.8M | $25.9M | $517K | 0.81% | 2.55% | 0.00% |
| Q4 2024 | $255.0M | $225.5M | $107.7M | $26.2M | $1.8M | 0.70% | 2.51% | 0.00% |
| Q3 2024 | $255.5M | $224.1M | $104.1M | $28.2M | $1.6M | 0.85% | 2.47% | 0.00% |
Loan mix (Q2 2026): real estate $82.3M · commercial $2.0M · consumer $2.1M · securities $106.7M
| Ratio | Auburn State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 18th |
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 | Auburn 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 | Auburn 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 | Auburn 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 | Auburn 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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