| Metric | Beneficial State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.5% | -1.6 pts |
| Deposit growth (YoY) | +1.0% | +5.1% | -4.1 pts |
| Loan growth (YoY) | +15.7% | +5.9% | +9.8 pts |
| ROA | 0.14% | 1.26% | -1.1 pts |
| ROE | 1.5% | 12.2% | -10.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.03B | $1.70B | $1.52B | $187.6M | $1.4M | 0.14% | 4.00% | 1.93% |
| Q1 2026 | $1.97B | $1.66B | $1.48B | $184.2M | $-1.7M | -0.34% | 4.00% | 2.13% |
| Q4 2025 | $1.98B | $1.67B | $1.45B | $186.8M | $2.8M | 0.15% | 3.92% | 1.61% |
| Q3 2025 | $1.92B | $1.64B | $1.34B | $185.5M | $4.7M | 0.33% | 3.91% | 1.68% |
| Q2 2025 | $1.95B | $1.68B | $1.31B | $178.8M | $1.5M | 0.15% | 3.86% | 1.04% |
| Q1 2025 | $1.88B | $1.63B | $1.25B | $176.7M | $-683K | -0.14% | 3.71% | 1.41% |
| Q4 2024 | $1.94B | $1.70B | $1.26B | $174.1M | $9.2M | 0.50% | 3.99% | 0.92% |
| Q3 2024 | $1.90B | $1.62B | $1.24B | $182.0M | $7.9M | 0.58% | 3.95% | 0.96% |
Loan mix (Q2 2026): real estate $948.2M · commercial $88.4M · consumer $498.9M · securities $298.4M
| Ratio | Beneficial State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 1.26% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 12.2% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 59.0% | 90th |
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 | Beneficial 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 | Beneficial 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 | Beneficial 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 | Beneficial 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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