| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $398.7M | $346.0M | $298.8M | $38.6M | $2.9M | 1.50% | 4.48% | 0.65% |
| Q1 2026 | $397.9M | $346.4M | $292.5M | $38.7M | $1.6M | 1.64% | 4.54% | 0.48% |
| Q4 2025 | $377.2M | $326.1M | $289.2M | $37.9M | $5.0M | 1.31% | 4.13% | 0.69% |
| Q3 2025 | $379.0M | $323.3M | $279.1M | $37.5M | $4.0M | 1.39% | 4.08% | 0.71% |
| Q2 2025 | $381.5M | $327.9M | $279.5M | $35.5M | $2.5M | 1.31% | 4.05% | 0.71% |
| Q1 2025 | $383.5M | $330.2M | $271.2M | $35.5M | $1.3M | 1.37% | 4.04% | 0.76% |
| Q4 2024 | $388.3M | $338.0M | $265.8M | $32.5M | $4.1M | 1.17% | 3.70% | 0.95% |
| Q3 2024 | $362.1M | $312.1M | $258.3M | $32.2M | $2.9M | 1.12% | 3.71% | 1.06% |
Loan mix (Q2 2026): real estate $271.4M · commercial $26.6M · consumer $4.0M · securities $48.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of St. Francisville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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 | Bank of St. Francisville | 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 | Bank of St. Francisville | 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 | Bank of St. Francisville | 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 | Bank of St. Francisville | 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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