| Metric | Ipava State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +8.8% | +4.0% | +4.8 pts |
| Loan growth (YoY) | -0.1% | +5.6% | -5.7 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 16.5% | 11.9% | +4.7 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221.9M | $194.3M | $136.8M | $19.7M | $1.6M | 1.47% | 4.06% | 0.13% |
| Q1 2026 | $215.1M | $183.0M | $135.7M | $19.4M | $772K | 1.43% | 3.97% | 0.01% |
| Q4 2025 | $218.0M | $176.5M | $144.0M | $19.0M | $2.2M | 1.06% | 3.91% | 0.24% |
| Q3 2025 | $214.2M | $176.5M | $139.5M | $19.1M | $1.7M | 1.10% | 3.89% | 0.10% |
| Q2 2025 | $200.7M | $178.6M | $137.0M | $18.7M | $1.1M | 1.11% | 3.84% | 0.13% |
| Q1 2025 | $203.3M | $180.4M | $138.3M | $18.6M | $546K | 1.06% | 3.71% | 0.12% |
| Q4 2024 | $209.6M | $185.0M | $141.0M | $18.0M | $1.9M | 0.89% | 3.60% | 0.07% |
| Q3 2024 | $210.3M | $184.3M | $140.6M | $18.4M | $1.6M | 1.00% | 3.64% | 0.12% |
Loan mix (Q2 2026): real estate $114.6M · commercial $10.2M · consumer $5.3M · securities $48.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ipava State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 61th |
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 | Ipava 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 | Ipava 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 | Ipava 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 | Ipava 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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