| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +4.4% | +5.7 pts |
| Deposit growth (YoY) | +10.5% | +4.0% | +6.6 pts |
| Loan growth (YoY) | -6.6% | +5.6% | -12.2 pts |
| ROA | 2.22% | 1.24% | +1.0 pts |
| ROE | 24.6% | 11.9% | +12.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.1M | $234.1M | $140.8M | $24.1M | $2.9M | 2.22% | 5.43% | 0.01% |
| Q1 2026 | $257.1M | $231.6M | $146.3M | $22.8M | $1.2M | 1.82% | 5.38% | 0.05% |
| Q4 2025 | $252.8M | $227.2M | $143.7M | $22.7M | $1.2M | 0.50% | 5.44% | 0.73% |
| Q3 2025 | $250.1M | $225.2M | $148.4M | $22.0M | $196K | 0.11% | 5.39% | 1.97% |
| Q2 2025 | $237.2M | $211.8M | $150.7M | $20.7M | $-1.1M | -0.93% | 5.30% | 2.07% |
| Q1 2025 | $230.5M | $205.2M | $158.8M | $22.7M | $782K | 1.34% | 5.20% | 2.14% |
| Q4 2024 | $238.0M | $213.1M | $151.9M | $22.2M | $3.1M | 1.29% | 4.91% | 0.73% |
| Q3 2024 | $250.2M | $225.0M | $152.7M | $22.3M | $2.3M | 1.23% | 4.78% | 0.69% |
Loan mix (Q2 2026): real estate $109.2M · commercial $21.6M · consumer $10.9M · securities $52.0M
| Ratio | Grand Rapids State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 24.6% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 62.9% | 40th |
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 | Grand Rapids 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 | Grand Rapids 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 | Grand Rapids 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 | Grand Rapids 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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