| Metric | Campus State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.0% | +0.3 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | -5.0% | +2.6% | -7.6 pts |
| ROA | 1.43% | 0.99% | +0.4 pts |
| ROE | 11.9% | 8.1% | +3.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.2M | $23.0M | $14.7M | $3.1M | $184K | 1.43% | 5.06% | 0.00% |
| Q1 2026 | $25.5M | $22.4M | $15.3M | $3.1M | $139K | 2.18% | 5.50% | 0.00% |
| Q4 2025 | $25.5M | $22.5M | $16.0M | $3.0M | $233K | 0.92% | 5.10% | 0.00% |
| Q3 2025 | $25.7M | $22.5M | $16.1M | $3.1M | $233K | 1.22% | 5.03% | 0.00% |
| Q2 2025 | $25.4M | $22.3M | $15.5M | $3.0M | $137K | 1.08% | 5.01% | 0.00% |
| Q1 2025 | $25.8M | $22.8M | $15.4M | $2.9M | $101K | 1.60% | 5.00% | 0.00% |
| Q4 2024 | $24.7M | $21.8M | $16.5M | $2.8M | $234K | 0.89% | 4.73% | 0.00% |
| Q3 2024 | $26.1M | $23.2M | $15.9M | $2.8M | $219K | 1.09% | 4.57% | 0.00% |
Loan mix (Q2 2026): real estate $6.7M · commercial $0 · consumer $5.1M · securities $6.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Campus State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.99% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 8.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 70.8% | 45th |
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 | Campus 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 | Campus 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 | Campus 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 | Campus State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.