| Metric | Cleo State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +14.6% | +5.6% | +9.0 pts |
| ROA | 2.29% | 1.24% | +1.1 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.5M | $103.9M | $67.5M | $18.5M | $1.3M | 2.29% | 4.59% | 1.18% |
| Q1 2026 | $114.7M | $96.2M | $71.2M | $18.3M | $487K | 1.73% | 4.16% | 0.64% |
| Q4 2025 | $111.1M | $93.0M | $66.6M | $17.9M | $1.8M | 1.62% | 4.12% | 1.51% |
| Q3 2025 | $113.1M | $94.8M | $56.9M | $18.2M | $1.5M | 1.82% | 4.08% | 1.15% |
| Q2 2025 | $115.1M | $97.2M | $58.9M | $17.8M | $988K | 1.76% | 4.03% | 0.18% |
| Q1 2025 | $112.9M | $95.6M | $58.4M | $17.1M | $451K | 1.62% | 3.80% | 0.75% |
| Q4 2024 | $109.5M | $93.2M | $56.8M | $16.0M | $1.6M | 1.44% | 3.64% | 0.84% |
| Q3 2024 | $114.2M | $97.3M | $54.2M | $16.7M | $1.4M | 1.71% | 3.69% | 0.23% |
Loan mix (Q2 2026): real estate $9.4M · commercial $26.0M · consumer $5.9M · securities $27.4M
| Ratio | Cleo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.0% | 62.9% | 10th |
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 | Cleo 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 | Cleo 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 | Cleo 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 | Cleo 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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