| Metric | Defiance State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.0% | +5.8 pts |
| Deposit growth (YoY) | +3.9% | +2.4% | +1.4 pts |
| Loan growth (YoY) | +10.9% | +2.6% | +8.3 pts |
| ROA | 0.71% | 1.00% | -0.3 pts |
| ROE | 7.3% | 8.1% | -0.8 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.6M | $33.5M | $32.0M | $4.2M | $151K | 0.71% | 3.93% | 0.06% |
| Q1 2026 | $42.5M | $33.7M | $31.8M | $4.1M | $73K | 0.69% | 3.84% | 0.06% |
| Q4 2025 | $41.8M | $31.1M | $31.5M | $4.1M | $235K | 0.58% | 4.02% | 0.07% |
| Q3 2025 | $38.9M | $30.6M | $29.1M | $4.1M | $288K | 0.95% | 4.09% | 0.08% |
| Q2 2025 | $39.2M | $32.3M | $28.8M | $4.0M | $179K | 0.88% | 3.96% | 1.57% |
| Q1 2025 | $41.4M | $33.4M | $30.4M | $4.0M | $126K | 1.22% | 4.10% | 0.10% |
| Q4 2024 | $41.3M | $34.1M | $30.7M | $3.9M | $214K | 0.52% | 3.77% | 0.10% |
| Q3 2024 | $40.6M | $32.4M | $29.4M | $3.9M | $228K | 0.73% | 3.72% | 0.11% |
Loan mix (Q2 2026): real estate $19.0M · commercial $1.9M · consumer $2.1M · securities $4.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Defiance State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.00% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 8.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 70.7% | 71st |
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 | Defiance 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 | Defiance 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 | Defiance 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 | Defiance 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 | Defiance 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 25% 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).
2 branches in 2 counties across 1 state (+0 vs 2025) · $33.5M branch deposits. Biggest market: Shelby, IA, ranked 6th with 3.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, IA | 1 | $21.7M | 3.40% | 6th |
| Crawford, IA | 1 | $11.9M | 1.42% | 8th |
Iowa: 301st with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2