| Metric | Flanagan State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.4% | -6.7 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | -2.8% | +5.6% | -8.3 pts |
| ROA | 0.35% | 1.24% | -0.9 pts |
| ROE | 5.3% | 11.9% | -6.6 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $300.3M | $277.0M | $181.8M | $20.1M | $534K | 0.35% | 3.43% | 0.17% |
| Q1 2026 | $313.4M | $290.3M | $181.6M | $20.3M | $171K | 0.22% | 3.32% | 0.12% |
| Q4 2025 | $312.5M | $276.6M | $192.8M | $19.9M | $1.9M | 0.63% | 3.31% | 0.11% |
| Q3 2025 | $310.1M | $276.3M | $188.4M | $19.0M | $1.2M | 0.51% | 3.26% | 0.40% |
| Q2 2025 | $307.6M | $273.8M | $187.0M | $15.9M | $733K | 0.49% | 3.22% | 0.52% |
| Q1 2025 | $303.0M | $280.1M | $173.6M | $15.0M | $17K | 0.02% | 3.13% | 0.55% |
| Q4 2024 | $294.7M | $263.6M | $174.0M | $13.8M | $917K | 0.32% | 2.85% | 0.23% |
| Q3 2024 | $297.4M | $253.0M | $170.5M | $16.2M | $665K | 0.31% | 2.82% | 0.34% |
Loan mix (Q2 2026): real estate $129.9M · commercial $15.6M · consumer $2.7M · securities $93.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Flanagan State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 62.9% | 95th |
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 | Flanagan 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 | Flanagan 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 | Flanagan 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 | Flanagan 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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