| Metric | Dairy State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +15.8% | +5.3% | +10.4 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 9.6% | 12.4% | -2.8 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $730.3M | $630.4M | $393.2M | $82.2M | $3.8M | 1.04% | 2.99% | 0.03% |
| Q1 2026 | $749.6M | $644.6M | $387.0M | $79.7M | $1.6M | 0.87% | 2.93% | 0.03% |
| Q4 2025 | $732.1M | $629.6M | $376.8M | $77.6M | $6.1M | 0.83% | 2.73% | 0.02% |
| Q3 2025 | $720.9M | $615.1M | $357.2M | $76.3M | $4.8M | 0.87% | 2.67% | 0.02% |
| Q2 2025 | $720.6M | $616.9M | $339.7M | $73.3M | $3.2M | 0.87% | 2.59% | 0.02% |
| Q1 2025 | $743.9M | $640.4M | $337.7M | $70.5M | $1.8M | 0.96% | 2.53% | 0.26% |
| Q4 2024 | $746.2M | $639.7M | $344.0M | $66.6M | $4.0M | 0.54% | 2.27% | 0.26% |
| Q3 2024 | $760.4M | $641.9M | $341.8M | $69.0M | $2.8M | 0.50% | 2.26% | 0.03% |
Loan mix (Q2 2026): real estate $309.1M · commercial $74.5M · consumer $2.4M · securities $259.9M
| Ratio | Dairy State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 61.2% | 51th |
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 | Dairy 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 | Dairy 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 | Dairy 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 | Dairy 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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