| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +3.0% | -7.8 pts |
| Deposit growth (YoY) | -4.1% | +2.5% | -6.6 pts |
| Loan growth (YoY) | -14.9% | +2.6% | -17.5 pts |
| ROA | 1.89% | 0.99% | +0.9 pts |
| ROE | 25.4% | 8.1% | +17.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.7M | $19.8M | $13.4M | $1.8M | $204K | 1.89% | 3.39% | 7.00% |
| Q1 2026 | $21.9M | $20.3M | $14.8M | $1.6M | $17K | 0.31% | 2.96% | 5.79% |
| Q4 2025 | $21.4M | $19.8M | $14.7M | $1.5M | $-434K | -1.93% | 3.17% | 8.95% |
| Q3 2025 | $21.7M | $19.6M | $15.5M | $2.1M | $93K | 0.54% | 3.37% | 6.73% |
| Q2 2025 | $22.8M | $20.7M | $15.7M | $2.0M | $59K | 0.51% | 3.23% | 9.77% |
| Q1 2025 | $23.1M | $21.1M | $16.2M | $2.0M | $14K | 0.24% | 3.12% | 6.96% |
| Q4 2024 | $23.5M | $21.5M | $17.0M | $2.0M | $-30K | -0.13% | 3.20% | 1.06% |
| Q3 2024 | $23.8M | $21.7M | $17.5M | $2.0M | $36K | 0.20% | 3.20% | 0.98% |
Loan mix (Q2 2026): real estate $8.4M · commercial $2.9M · consumer $1.1M · securities $588K
| Ratio | Chesterfield State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.99% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 25.4% | 8.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 70.8% | 86th |
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 | Chesterfield 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 | Chesterfield 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 | Chesterfield 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 | Chesterfield 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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