| Metric | Elk State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.0 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 9.9% | 11.9% | -2.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.7M | $109.0M | $76.8M | $10.0M | $491K | 0.70% | 3.03% | 0.00% |
| Q1 2026 | $141.2M | $113.8M | $76.1M | $9.9M | $261K | 0.75% | 3.08% | 0.00% |
| Q4 2025 | $138.9M | $100.4M | $75.3M | $9.9M | $900K | 0.67% | 2.82% | 0.00% |
| Q3 2025 | $133.0M | $98.5M | $67.0M | $9.9M | $773K | 0.77% | 2.82% | 0.00% |
| Q2 2025 | $132.6M | $99.3M | $68.2M | $9.2M | $472K | 0.71% | 2.80% | 0.00% |
| Q1 2025 | $134.2M | $101.2M | $68.1M | $9.2M | $253K | 0.76% | 2.76% | 0.00% |
| Q4 2024 | $133.3M | $96.8M | $69.2M | $8.6M | $564K | 0.42% | 2.40% | 0.00% |
| Q3 2024 | $134.8M | $100.7M | $67.7M | $8.9M | $426K | 0.43% | 2.38% | 0.01% |
Loan mix (Q2 2026): real estate $40.9M · commercial $7.2M · consumer $842K · securities $53.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Elk State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 62.9% | 67th |
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 | Elk 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 | Elk 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 | Elk 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 | Elk 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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