| Metric | Hartsburg State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.0% | +7.7 pts |
| Deposit growth (YoY) | +10.4% | +2.5% | +7.9 pts |
| Loan growth (YoY) | -9.2% | +2.6% | -11.8 pts |
| ROA | 0.22% | 0.99% | -0.8 pts |
| ROE | 2.6% | 8.1% | -5.5 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.1M | $16.5M | $5.4M | $1.5M | $20K | 0.22% | 2.87% | 0.06% |
| Q1 2026 | $17.2M | $15.6M | $5.7M | $1.5M | $17K | 0.36% | 2.94% | 0.08% |
| Q4 2025 | $20.3M | $17.3M | $6.0M | $1.5M | $13K | 0.07% | 2.89% | 0.25% |
| Q3 2025 | $16.5M | $14.9M | $6.0M | $1.5M | $2K | 0.02% | 3.05% | 0.62% |
| Q2 2025 | $16.4M | $15.0M | $6.0M | $1.4M | $-13K | -0.15% | 2.89% | 0.65% |
| Q1 2025 | $15.9M | $13.3M | $6.1M | $1.3M | $2K | 0.05% | 3.00% | 0.38% |
| Q4 2024 | $18.4M | $17.0M | $6.4M | $1.2M | $-68K | -0.38% | 2.41% | 0.32% |
| Q3 2024 | $18.1M | $16.6M | $6.2M | $1.4M | $-47K | -0.35% | 2.53% | 0.33% |
Loan mix (Q2 2026): real estate $1.7M · commercial $928K · consumer $192K · securities $6.9M
| Ratio | Hartsburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.99% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 8.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 70.8% | 85th |
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 | Hartsburg 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 | Hartsburg 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 | Hartsburg 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 | Hartsburg 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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