| Metric | Cowboy State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +3.0% | -5.2 pts |
| Deposit growth (YoY) | -2.2% | +2.5% | -4.7 pts |
| Loan growth (YoY) | -0.0% | +2.6% | -2.6 pts |
| ROA | 0.91% | 0.99% | -0.1 pts |
| ROE | 7.8% | 8.1% | -0.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.3M | $44.4M | $33.6M | $5.9M | $233K | 0.91% | 6.42% | 2.36% |
| Q1 2026 | $52.0M | $46.2M | $34.0M | $5.8M | $121K | 0.93% | 6.24% | 1.86% |
| Q4 2025 | $52.0M | $45.8M | $33.5M | $6.2M | $476K | 0.92% | 6.24% | 1.84% |
| Q3 2025 | $53.0M | $47.1M | $34.3M | $5.8M | $459K | 1.18% | 6.10% | 1.81% |
| Q2 2025 | $51.4M | $45.4M | $33.6M | $5.9M | $339K | 1.32% | 6.11% | 1.87% |
| Q1 2025 | $51.1M | $45.2M | $32.9M | $5.8M | $174K | 1.35% | 5.90% | 1.88% |
| Q4 2024 | $51.7M | $46.1M | $33.6M | $5.6M | $199K | 0.41% | 6.43% | 3.00% |
| Q3 2024 | $50.3M | $44.3M | $33.6M | $6.0M | $384K | 1.08% | 6.31% | 3.82% |
Loan mix (Q2 2026): real estate $28.8M · commercial $2.0M · consumer $1.8M · securities $4.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cowboy State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.99% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 8.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 70.8% | 77th |
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 | Cowboy 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 | Cowboy 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 | Cowboy 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 | Cowboy 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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