| Metric | Crowell State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.0% | +0.8 pts |
| Deposit growth (YoY) | +3.4% | +2.5% | +0.9 pts |
| Loan growth (YoY) | +9.5% | +2.6% | +6.9 pts |
| ROA | 2.49% | 0.99% | +1.5 pts |
| ROE | 23.8% | 8.1% | +15.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.5M | $51.0M | $28.3M | $6.0M | $700K | 2.49% | 5.20% | 0.44% |
| Q1 2026 | $56.9M | $50.6M | $29.4M | $5.9M | $361K | 2.59% | 5.16% | 0.34% |
| Q4 2025 | $54.5M | $48.4M | $27.9M | $5.7M | $1.1M | 2.07% | 5.21% | 0.08% |
| Q3 2025 | $53.1M | $46.6M | $26.3M | $6.0M | $939K | 2.34% | 5.15% | 0.07% |
| Q2 2025 | $55.4M | $49.3M | $25.9M | $5.7M | $598K | 2.23% | 5.02% | 0.00% |
| Q1 2025 | $54.0M | $48.2M | $26.4M | $5.4M | $284K | 2.15% | 4.83% | 0.11% |
| Q4 2024 | $51.5M | $46.1M | $24.4M | $5.0M | $820K | 1.70% | 4.89% | 0.16% |
| Q3 2024 | $45.5M | $39.8M | $24.3M | $5.4M | $673K | 1.89% | 4.92% | 0.13% |
Loan mix (Q2 2026): real estate $12.6M · commercial $6.2M · consumer $2.8M · securities $14.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Crowell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.49% | 0.99% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 8.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 70.8% | 13th |
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 | Crowell 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 | Crowell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Crowell 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 | Crowell 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 | Crowell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend down 23% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).