| Metric | Currie State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.0% | -4.9 pts |
| Deposit growth (YoY) | -2.4% | +2.5% | -4.9 pts |
| Loan growth (YoY) | -7.5% | +2.6% | -10.1 pts |
| ROA | 1.24% | 0.99% | +0.2 pts |
| ROE | 11.6% | 8.1% | +3.5 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.0M | $88.3M | $87.1M | $10.7M | $618K | 1.24% | 4.61% | 0.85% |
| Q1 2026 | $97.7M | $86.2M | $85.9M | $10.4M | $305K | 1.22% | 4.57% | 0.92% |
| Q4 2025 | $101.8M | $89.3M | $94.8M | $11.1M | $1.4M | 1.37% | 4.68% | 5.31% |
| Q3 2025 | $103.1M | $91.0M | $91.2M | $10.8M | $1.1M | 1.40% | 4.64% | 2.42% |
| Q2 2025 | $102.0M | $90.4M | $94.1M | $10.4M | $675K | 1.34% | 4.49% | 0.88% |
| Q1 2025 | $99.7M | $88.5M | $91.1M | $10.0M | $293K | 1.17% | 4.39% | 2.81% |
| Q4 2024 | $100.3M | $85.6M | $90.6M | $10.6M | $1.2M | 1.25% | 4.60% | 0.88% |
| Q3 2024 | $95.2M | $83.8M | $85.2M | $10.3M | $891K | 1.27% | 4.65% | 0.96% |
Loan mix (Q2 2026): real estate $46.6M · commercial $7.5M · consumer $1.4M · securities $29K
| Ratio | Currie State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.99% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 8.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 70.8% | 29th |
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 | Currie 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 | Currie 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 | Currie 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 | Currie 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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