| Metric | Defiance State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.0% | +5.8 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +10.9% | +2.6% | +8.3 pts |
| ROA | 0.71% | 0.99% | -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% | 0.99% | 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% | 70.8% | 70th |
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 |
|---|---|---|---|---|
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% |
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