| Metric | Goodfield State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.4% | +4.4% | +15.1 pts |
| Deposit growth (YoY) | +19.7% | +4.0% | +15.8 pts |
| Loan growth (YoY) | +10.4% | +5.6% | +4.8 pts |
| ROA | 2.72% | 1.24% | +1.5 pts |
| ROE | 26.8% | 11.9% | +15.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $285.5M | $250.1M | $221.2M | $29.0M | $3.8M | 2.72% | 4.26% | 2.03% |
| Q1 2026 | $284.2M | $250.3M | $210.7M | $28.8M | $1.8M | 2.51% | 4.13% | 1.08% |
| Q4 2025 | $274.5M | $241.9M | $207.3M | $27.9M | $5.6M | 2.29% | 4.15% | 0.85% |
| Q3 2025 | $244.2M | $213.1M | $203.1M | $26.5M | $4.3M | 2.43% | 4.14% | 0.58% |
| Q2 2025 | $239.1M | $208.9M | $200.4M | $25.0M | $2.7M | 2.35% | 4.04% | 0.39% |
| Q1 2025 | $229.7M | $203.9M | $188.1M | $25.0M | $1.3M | 2.23% | 3.94% | 0.83% |
| Q4 2024 | $231.4M | $206.3M | $181.0M | $24.2M | $4.3M | 2.00% | 3.71% | 0.62% |
| Q3 2024 | $217.6M | $193.0M | $174.9M | $23.9M | $3.3M | 2.09% | 3.70% | 0.76% |
Loan mix (Q2 2026): real estate $166.8M · commercial $45.2M · consumer $6.1M · securities $22.9M
| Ratio | Goodfield State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 26.8% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.6% | 62.9% | 5th |
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 | Goodfield 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 | Goodfield 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 | Goodfield 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 | Goodfield 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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