| Metric | Audubon State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.1% | +4.0% | -3.9 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 2.38% | 1.24% | +1.1 pts |
| ROE | 20.4% | 11.9% | +8.5 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.3M | $131.0M | $121.8M | $19.2M | $1.9M | 2.38% | 4.41% | 0.16% |
| Q1 2026 | $166.9M | $143.0M | $118.8M | $18.8M | $901K | 2.18% | 4.17% | 0.15% |
| Q4 2025 | $163.4M | $139.6M | $128.9M | $18.6M | $3.3M | 2.06% | 4.19% | 0.01% |
| Q3 2025 | $163.8M | $140.0M | $127.7M | $18.6M | $2.3M | 1.96% | 4.04% | 0.04% |
| Q2 2025 | $154.2M | $130.9M | $120.1M | $18.1M | $1.5M | 1.84% | 3.87% | 0.00% |
| Q1 2025 | $162.7M | $138.2M | $114.8M | $17.6M | $686K | 1.71% | 3.62% | 0.00% |
| Q4 2024 | $158.6M | $133.9M | $122.5M | $17.2M | $2.3M | 1.60% | 3.75% | 0.03% |
| Q3 2024 | $148.9M | $124.5M | $118.0M | $16.8M | $1.7M | 1.62% | 3.71% | 0.03% |
Loan mix (Q2 2026): real estate $78.9M · commercial $12.7M · consumer $2.4M · securities $17.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Audubon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.0% | 62.9% | 4th |
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 | Audubon 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 | Audubon 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 | Audubon 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 | Audubon 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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