| Metric | Henderson State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.6% | +4.9% | +18.7 pts |
| Deposit growth (YoY) | +18.1% | +4.3% | +13.7 pts |
| Loan growth (YoY) | +25.3% | +5.3% | +20.0 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 15.4% | 12.4% | +3.0 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $678.5M | $510.7M | $558.6M | $68.0M | $5.1M | 1.58% | 4.01% | 0.26% |
| Q1 2026 | $634.6M | $479.2M | $515.5M | $66.6M | $2.5M | 1.58% | 3.97% | 0.13% |
| Q4 2025 | $635.4M | $483.6M | $508.8M | $65.1M | $9.1M | 1.64% | 4.02% | 0.16% |
| Q3 2025 | $603.1M | $444.7M | $490.1M | $56.5M | $6.7M | 1.67% | 3.99% | 0.25% |
| Q2 2025 | $548.7M | $432.6M | $445.8M | $53.2M | $4.1M | 1.60% | 3.92% | 0.45% |
| Q1 2025 | $502.1M | $419.0M | $403.7M | $48.5M | $1.8M | 1.50% | 3.79% | 0.01% |
| Q4 2024 | $477.4M | $386.5M | $375.1M | $47.1M | $5.1M | 1.35% | 3.43% | 0.00% |
| Q3 2024 | $384.8M | $297.4M | $292.9M | $37.4M | $3.8M | 1.42% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $224.1M · commercial $65.1M · consumer $3.8M · securities $84.5M
| Ratio | Henderson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.3% | 61.2% | 9th |
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 | Henderson 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 | Henderson 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 | Henderson 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 | Henderson 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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