| Metric | Belgrade State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.9% | +3.0 pts |
| Deposit growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| Loan growth (YoY) | +8.9% | +5.3% | +3.5 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 18.1% | 12.4% | +5.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $548.0M | $495.3M | $407.8M | $49.1M | $4.3M | 1.58% | 4.30% | 0.41% |
| Q1 2026 | $537.8M | $487.4M | $386.1M | $46.7M | $2.0M | 1.48% | 4.22% | 0.56% |
| Q4 2025 | $534.8M | $485.8M | $380.0M | $45.4M | $6.7M | 1.33% | 4.22% | 1.20% |
| Q3 2025 | $519.6M | $471.5M | $379.4M | $44.3M | $5.7M | 1.54% | 4.22% | 1.48% |
| Q2 2025 | $507.6M | $462.8M | $374.6M | $41.0M | $3.9M | 1.57% | 4.17% | 0.39% |
| Q1 2025 | $491.6M | $448.7M | $360.6M | $39.3M | $1.7M | 1.41% | 4.06% | 0.22% |
| Q4 2024 | $470.7M | $429.9M | $351.9M | $37.0M | $6.1M | 1.34% | 4.27% | 0.31% |
| Q3 2024 | $469.1M | $428.4M | $340.0M | $37.1M | $4.7M | 1.40% | 4.27% | 0.19% |
Loan mix (Q2 2026): real estate $342.4M · commercial $31.1M · consumer $28.5M · securities $82.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Belgrade State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.1% | 61.2% | 32th |
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 | Belgrade 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 | Belgrade 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 | Belgrade 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 | Belgrade 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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