| Metric | Headwaters State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.5 pts |
| Deposit growth (YoY) | +9.5% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 5.3% | 11.9% | -6.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.5M | $102.9M | $79.7M | $19.4M | $505K | 0.84% | 3.33% | 4.18% |
| Q1 2026 | $119.6M | $100.4M | $79.4M | $19.1M | $267K | 0.90% | 3.35% | 4.25% |
| Q4 2025 | $117.4M | $98.1M | $78.2M | $19.1M | $993K | 0.87% | 3.39% | 4.16% |
| Q3 2025 | $116.7M | $97.9M | $76.6M | $18.7M | $741K | 0.88% | 3.40% | 4.20% |
| Q2 2025 | $112.5M | $93.9M | $76.4M | $18.4M | $467K | 0.84% | 3.38% | 4.44% |
| Q1 2025 | $111.3M | $93.1M | $73.8M | $18.0M | $254K | 0.92% | 3.34% | 4.49% |
| Q4 2024 | $110.3M | $92.5M | $74.1M | $17.7M | $583K | 0.59% | 3.59% | 4.55% |
| Q3 2024 | $100.0M | $82.0M | $70.0M | $17.8M | $398K | 0.56% | 3.70% | 5.12% |
Loan mix (Q2 2026): real estate $69.7M · commercial $7.3M · consumer $1.7M · securities $21.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Headwaters State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 62.9% | 42th |
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 | Headwaters 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 | Headwaters 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 | Headwaters 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 | Headwaters 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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