| Metric | Basile State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.0% | +3.4 pts |
| Deposit growth (YoY) | +6.6% | +2.5% | +4.1 pts |
| Loan growth (YoY) | +13.7% | +2.6% | +11.1 pts |
| ROA | 1.74% | 0.99% | +0.7 pts |
| ROE | 17.0% | 8.1% | +8.9 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.4M | $78.0M | $70.5M | $8.8M | $744K | 1.74% | 6.08% | 2.06% |
| Q1 2026 | $88.4M | $79.2M | $67.5M | $8.8M | $363K | 1.72% | 5.85% | 2.06% |
| Q4 2025 | $80.8M | $71.6M | $67.2M | $8.7M | $1.2M | 1.54% | 5.91% | 2.43% |
| Q3 2025 | $82.4M | $73.2M | $65.0M | $8.5M | $824K | 1.37% | 5.80% | 2.06% |
| Q2 2025 | $82.2M | $73.2M | $62.0M | $8.5M | $552K | 1.39% | 5.82% | 1.77% |
| Q1 2025 | $81.5M | $72.6M | $61.7M | $8.4M | $217K | 1.11% | 5.78% | 1.91% |
| Q4 2024 | $75.2M | $67.1M | $61.3M | $7.6M | $1.3M | 1.80% | 6.09% | 1.96% |
| Q3 2024 | $75.3M | $63.5M | $60.4M | $7.8M | $1.1M | 2.07% | 6.22% | 1.92% |
Loan mix (Q2 2026): real estate $53.9M · commercial $4.1M · consumer $5.6M · securities $166K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Basile State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.99% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 8.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 70.8% | 44th |
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 | Basile 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 | Basile 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 | Basile 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 | Basile 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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