| Metric | Carmine State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +4.4% | +5.6 pts |
| Deposit growth (YoY) | +8.3% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.6 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 17.3% | 11.9% | +5.4 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.8M | $139.2M | $40.0M | $9.3M | $740K | 1.01% | 2.44% | 0.14% |
| Q1 2026 | $145.3M | $137.1M | $38.7M | $7.9M | $336K | 0.92% | 2.34% | 0.47% |
| Q4 2025 | $146.5M | $137.8M | $38.7M | $8.5M | $1.2M | 0.89% | 2.45% | 0.32% |
| Q3 2025 | $144.0M | $135.9M | $37.3M | $7.8M | $1.0M | 1.00% | 2.40% | 0.34% |
| Q2 2025 | $135.2M | $128.6M | $38.1M | $6.4M | $639K | 0.98% | 2.38% | 0.35% |
| Q1 2025 | $130.0M | $123.6M | $37.0M | $6.2M | $282K | 0.88% | 2.28% | 0.36% |
| Q4 2024 | $125.6M | $119.2M | $36.8M | $6.2M | $927K | 0.75% | 2.28% | 0.07% |
| Q3 2024 | $127.0M | $119.0M | $32.9M | $7.7M | $747K | 0.80% | 2.24% | 0.00% |
Loan mix (Q2 2026): real estate $25.4M · commercial $2.7M · consumer $6.9M · securities $51.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Carmine State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 62.9% | 25th |
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 | Carmine 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 | Carmine 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 | Carmine 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 | Carmine 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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