| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.0% | -1.1 pts |
| Deposit growth (YoY) | +0.8% | +2.5% | -1.7 pts |
| Loan growth (YoY) | +10.5% | +2.6% | +7.9 pts |
| ROA | 1.20% | 0.99% | +0.2 pts |
| ROE | 12.1% | 8.1% | +4.0 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.2M | $72.2M | $64.8M | $8.6M | $515K | 1.20% | 4.69% | 0.00% |
| Q1 2026 | $85.9M | $73.6M | $66.1M | $8.4M | $243K | 1.12% | 4.65% | 0.00% |
| Q4 2025 | $88.4M | $76.5M | $64.0M | $8.5M | $1.0M | 1.19% | 4.57% | 0.05% |
| Q3 2025 | $83.9M | $72.6M | $60.9M | $8.1M | $713K | 1.14% | 4.54% | 0.44% |
| Q2 2025 | $82.7M | $71.7M | $58.7M | $7.8M | $449K | 1.08% | 4.46% | 0.18% |
| Q1 2025 | $84.7M | $73.8M | $56.9M | $7.5M | $206K | 0.99% | 4.30% | 0.00% |
| Q4 2024 | $82.3M | $71.6M | $54.7M | $7.4M | $602K | 0.75% | 3.93% | 0.01% |
| Q3 2024 | $82.9M | $68.2M | $55.5M | $7.4M | $426K | 0.71% | 3.88% | 0.09% |
Loan mix (Q2 2026): real estate $42.3M · commercial $7.6M · consumer $652K · securities $12.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Independence State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.99% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 8.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 70.8% | 46th |
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 | Independence 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 | Independence 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 | Independence 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 | Independence 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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