| Metric | Bellevue State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 2.21% | 1.24% | +1.0 pts |
| ROE | 16.7% | 11.9% | +4.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $187.7M | $156.5M | $126.6M | $25.4M | $2.0M | 2.21% | 4.02% | 0.11% |
| Q1 2026 | $181.0M | $151.3M | $123.1M | $24.5M | $1.0M | 2.26% | 3.93% | 0.17% |
| Q4 2025 | $188.5M | $159.1M | $125.3M | $23.6M | $3.4M | 1.93% | 3.58% | 0.17% |
| Q3 2025 | $171.6M | $146.9M | $115.1M | $23.7M | $2.4M | 1.88% | 3.51% | 0.32% |
| Q2 2025 | $172.7M | $149.5M | $116.8M | $22.4M | $1.6M | 1.84% | 3.43% | 0.52% |
| Q1 2025 | $168.9M | $146.7M | $113.7M | $21.5M | $775K | 1.82% | 3.39% | 0.60% |
| Q4 2024 | $172.4M | $146.3M | $122.7M | $20.2M | $2.7M | 1.70% | 3.41% | 0.45% |
| Q3 2024 | $162.0M | $139.9M | $116.8M | $21.2M | $2.1M | 1.76% | 3.44% | 0.32% |
Loan mix (Q2 2026): real estate $80.2M · commercial $19.4M · consumer $4.2M · securities $34.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bellevue State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.0% | 62.9% | 2th |
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 | Bellevue 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 | Bellevue 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 | Bellevue 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 | Bellevue 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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