| Metric | Cherokee State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 10.3% | 11.9% | -1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $271.1M | $218.9M | $180.6M | $27.6M | $1.4M | 1.03% | 3.06% | 0.00% |
| Q1 2026 | $277.3M | $226.5M | $180.8M | $26.7M | $619K | 0.90% | 2.93% | 0.00% |
| Q4 2025 | $271.2M | $211.8M | $181.7M | $27.0M | $2.2M | 0.82% | 2.76% | 0.00% |
| Q3 2025 | $263.9M | $212.6M | $171.6M | $26.4M | $1.6M | 0.80% | 2.72% | 0.00% |
| Q2 2025 | $260.3M | $215.7M | $171.0M | $24.6M | $1.0M | 0.80% | 2.68% | 0.00% |
| Q1 2025 | $264.7M | $218.7M | $170.4M | $23.9M | $300K | 0.46% | 2.56% | 0.00% |
| Q4 2024 | $260.7M | $210.5M | $170.8M | $23.0M | $1.8M | 0.71% | 2.63% | 0.00% |
| Q3 2024 | $263.3M | $217.3M | $165.4M | $25.1M | $1.4M | 0.72% | 2.62% | 0.16% |
Loan mix (Q2 2026): real estate $123.7M · commercial $20.6M · consumer $2.7M · securities $70.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cherokee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 62.9% | 46th |
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 | Cherokee 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 | Cherokee 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 | Cherokee 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 | Cherokee 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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