| Metric | Boelus State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +5.8% | +2.6% | +3.2 pts |
| ROA | 1.34% | 0.99% | +0.3 pts |
| ROE | 9.0% | 8.1% | +1.0 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 | $24.4M | $20.6M | $6.2M | $3.7M | $163K | 1.34% | 2.85% | 0.00% |
| Q1 2026 | $25.1M | $21.5M | $6.2M | $3.6M | $78K | 1.28% | 2.81% | 0.00% |
| Q4 2025 | $23.5M | $19.9M | $5.0M | $3.5M | $274K | 1.19% | 3.11% | 0.00% |
| Q3 2025 | $23.6M | $20.0M | $5.1M | $3.5M | $242K | 1.41% | 3.20% | 0.00% |
| Q2 2025 | $23.4M | $19.8M | $5.8M | $3.4M | $173K | 1.52% | 3.20% | 0.00% |
| Q1 2025 | $22.5M | $19.1M | $6.1M | $3.3M | $63K | 1.13% | 3.00% | 0.00% |
| Q4 2024 | $22.2M | $18.8M | $5.2M | $3.3M | $341K | 1.53% | 3.68% | 0.00% |
| Q3 2024 | $21.6M | $18.3M | $4.6M | $3.2M | $243K | 1.45% | 3.72% | 0.00% |
Loan mix (Q2 2026): real estate $1.7M · commercial $80K · consumer $771K · securities $3.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Boelus State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.99% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 8.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 70.8% | 3th |
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 | Boelus 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 | Boelus 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 | Boelus 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 | Boelus 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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