| Metric | Bryant State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.0% | +0.9 pts |
| Deposit growth (YoY) | +5.2% | +2.5% | +2.7 pts |
| Loan growth (YoY) | -2.8% | +2.6% | -5.4 pts |
| ROA | 1.96% | 0.99% | +1.0 pts |
| ROE | 17.4% | 8.1% | +9.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.9M | $45.7M | $28.6M | $6.2M | $531K | 1.96% | 6.90% | 0.23% |
| Q1 2026 | $55.3M | $48.3M | $28.8M | $6.1M | $235K | 1.72% | 6.78% | 0.21% |
| Q4 2025 | $54.2M | $47.2M | $31.2M | $6.0M | $843K | 1.61% | 7.17% | 0.24% |
| Q3 2025 | $52.0M | $44.3M | $31.9M | $5.8M | $668K | 1.71% | 7.22% | 0.22% |
| Q2 2025 | $50.9M | $43.5M | $29.4M | $5.8M | $433K | 1.66% | 7.27% | 0.24% |
| Q1 2025 | $51.3M | $44.8M | $28.6M | $5.7M | $210K | 1.60% | 7.25% | 0.27% |
| Q4 2024 | $54.0M | $47.4M | $32.2M | $5.6M | $643K | 1.26% | 7.04% | 0.29% |
| Q3 2024 | $50.0M | $42.8M | $29.3M | $5.6M | $477K | 1.26% | 7.02% | 0.28% |
Loan mix (Q2 2026): real estate $14.0M · commercial $7.5M · consumer $3.5M · securities $20.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bryant State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.99% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 8.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 70.8% | 18th |
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 | Bryant 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 | Bryant 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 | Bryant 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 | Bryant 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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