| Metric | Horatio State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.0 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 10.9% | 11.9% | -0.9 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $311.5M | $275.5M | $258.9M | $34.9M | $1.9M | 1.20% | 4.37% | 1.08% |
| Q1 2026 | $311.8M | $276.7M | $256.8M | $34.0M | $765K | 0.98% | 4.26% | 1.21% |
| Q4 2025 | $310.6M | $276.0M | $257.7M | $33.8M | $2.4M | 0.80% | 3.98% | 0.92% |
| Q3 2025 | $302.5M | $268.5M | $251.4M | $33.0M | $1.6M | 0.68% | 3.84% | 1.10% |
| Q2 2025 | $300.5M | $267.2M | $250.1M | $32.4M | $1.1M | 0.71% | 3.76% | 0.92% |
| Q1 2025 | $307.8M | $275.0M | $250.6M | $31.9M | $381K | 0.50% | 3.63% | 0.73% |
| Q4 2024 | $306.8M | $274.3M | $251.0M | $31.6M | $1.7M | 0.57% | 3.39% | 0.76% |
| Q3 2024 | $300.5M | $268.0M | $249.1M | $31.8M | $1.1M | 0.47% | 3.35% | 0.95% |
Loan mix (Q2 2026): real estate $175.4M · commercial $21.8M · consumer $52.5M · securities $30.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Horatio State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 62.9% | 19th |
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 | Horatio 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 | Horatio 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 | Horatio 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 | Horatio 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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