| Metric | Johnson State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +3.0% | +6.4 pts |
| Deposit growth (YoY) | +12.3% | +2.5% | +9.8 pts |
| Loan growth (YoY) | +0.9% | +2.6% | -1.7 pts |
| ROA | 0.93% | 0.99% | -0.1 pts |
| ROE | 7.2% | 8.1% | -0.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.6M | $80.7M | $34.3M | $12.7M | $453K | 0.93% | 3.37% | 1.81% |
| Q1 2026 | $100.7M | $85.1M | $32.0M | $12.4M | $192K | 0.79% | 3.22% | 1.73% |
| Q4 2025 | $94.1M | $78.4M | $33.5M | $12.6M | $-147K | -0.16% | 3.11% | 1.85% |
| Q3 2025 | $89.2M | $72.8M | $34.4M | $12.9M | $316K | 0.47% | 3.13% | 2.66% |
| Q2 2025 | $88.3M | $71.9M | $34.0M | $12.1M | $211K | 0.47% | 3.10% | 2.69% |
| Q1 2025 | $90.6M | $75.5M | $30.7M | $11.7M | $109K | 0.48% | 3.00% | 2.63% |
| Q4 2024 | $92.9M | $78.3M | $29.5M | $11.2M | $-462K | -0.50% | 2.70% | 2.57% |
| Q3 2024 | $91.8M | $76.2M | $31.6M | $12.1M | $-486K | -0.70% | 2.69% | 3.21% |
Loan mix (Q2 2026): real estate $27.1M · commercial $4.0M · consumer $1.2M · securities $39.8M
| Ratio | Johnson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.99% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 8.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 70.8% | 58th |
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 | Johnson 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 | Johnson 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 | Johnson 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 | Johnson 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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