| Metric | Janesville State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.0% | +7.7 pts |
| Deposit growth (YoY) | +14.2% | +2.5% | +11.7 pts |
| Loan growth (YoY) | +0.7% | +2.6% | -1.9 pts |
| ROA | 1.54% | 0.99% | +0.5 pts |
| ROE | 13.8% | 8.1% | +5.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.8M | $84.1M | $69.6M | $10.7M | $740K | 1.54% | 3.58% | 0.00% |
| Q1 2026 | $94.5M | $79.5M | $70.2M | $10.3M | $379K | 1.60% | 3.54% | 0.00% |
| Q4 2025 | $95.0M | $79.2M | $72.1M | $11.1M | $1.3M | 1.43% | 3.45% | 0.00% |
| Q3 2025 | $91.4M | $76.2M | $68.9M | $10.6M | $987K | 1.47% | 3.41% | 0.00% |
| Q2 2025 | $89.2M | $73.6M | $69.1M | $10.1M | $624K | 1.41% | 3.39% | 0.00% |
| Q1 2025 | $86.3M | $73.9M | $66.4M | $9.6M | $302K | 1.37% | 3.27% | 0.00% |
| Q4 2024 | $90.2M | $75.5M | $67.9M | $9.8M | $874K | 0.97% | 2.83% | 0.00% |
| Q3 2024 | $88.2M | $69.0M | $65.5M | $9.8M | $637K | 0.94% | 2.80% | 0.00% |
Loan mix (Q2 2026): real estate $49.6M · commercial $4.7M · consumer $2.7M · securities $17.4M
| Ratio | Janesville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.99% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 8.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 70.8% | 15th |
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 | Janesville 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 | Janesville 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 | Janesville 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 | Janesville 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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