| Metric | Dysart State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.8% | +3.0% | -13.8 pts |
| Deposit growth (YoY) | -10.7% | +2.5% | -13.2 pts |
| Loan growth (YoY) | -0.3% | +2.6% | -2.9 pts |
| ROA | 2.15% | 0.99% | +1.2 pts |
| ROE | 19.1% | 8.1% | +11.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.5M | $13.3M | $12.1M | $1.9M | $181K | 2.15% | 4.78% | 1.24% |
| Q1 2026 | $17.1M | $13.8M | $12.1M | $1.9M | $80K | 1.88% | 4.67% | 0.76% |
| Q4 2025 | $17.0M | $13.8M | $11.9M | $1.8M | $322K | 1.81% | 4.67% | 0.00% |
| Q3 2025 | $18.1M | $14.8M | $11.9M | $1.8M | $255K | 1.89% | 4.67% | 0.00% |
| Q2 2025 | $18.5M | $14.9M | $12.1M | $1.7M | $152K | 1.69% | 4.62% | 0.00% |
| Q1 2025 | $17.9M | $13.7M | $11.4M | $1.7M | $54K | 1.22% | 4.81% | 0.00% |
| Q4 2024 | $17.5M | $14.0M | $10.1M | $1.6M | $200K | 1.15% | 4.61% | 0.00% |
| Q3 2024 | $16.7M | $13.4M | $10.1M | $1.6M | $156K | 1.20% | 4.48% | 0.00% |
Loan mix (Q2 2026): real estate $8.8M · commercial $240K · consumer $297K · securities $773K
| Ratio | Dysart State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 0.99% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 8.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 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 | Dysart 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 | Dysart 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 | Dysart 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 | Dysart 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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