No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $204.8M | $169.2M | $145.0M | $35.1M | $1.7M | 1.56% | 4.28% | 1.85% |
| Q1 2026 | $218.7M | $183.3M | $147.4M | $34.8M | $802K | 1.50% | 4.07% | 2.25% |
| Q4 2025 | $210.1M | $175.0M | $155.7M | $34.4M | $3.2M | 1.52% | 4.04% | 0.53% |
| Q3 2025 | $204.7M | $166.8M | $152.8M | $33.9M | $2.4M | 1.55% | 4.02% | 0.36% |
| Q2 2025 | $206.1M | $172.4M | $153.4M | $33.2M | $1.7M | 1.56% | 3.96% | 1.56% |
| Q1 2025 | $214.1M | $181.0M | $156.1M | $32.5M | $800K | 1.49% | 3.85% | 0.40% |
| Q4 2024 | $215.7M | $183.5M | $159.2M | $31.7M | $3.0M | 1.36% | 3.54% | 0.23% |
| Q3 2024 | $219.9M | $188.2M | $165.7M | $31.2M | $2.2M | 1.30% | 3.49% | 0.11% |
Loan mix (Q2 2026): real estate $64.5M · commercial $16.5M · consumer $1.4M · securities $31.8M
| Ratio | Houghton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 17th |
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 | Houghton 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 | Houghton 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 | Houghton 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 | Houghton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.