| Metric | La Salle State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | -3.3% | +5.6% | -8.9 pts |
| ROA | 0.56% | 1.24% | -0.7 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $183.2M | $155.9M | $84.6M | $10.8M | $510K | 0.56% | 2.87% | 0.07% |
| Q1 2026 | $184.6M | $154.1M | $84.4M | $11.3M | $232K | 0.51% | 2.77% | 1.01% |
| Q4 2025 | $182.6M | $151.6M | $87.1M | $11.3M | $916K | 0.50% | 2.75% | 0.04% |
| Q3 2025 | $186.6M | $155.7M | $86.1M | $10.4M | $579K | 0.42% | 2.64% | 0.26% |
| Q2 2025 | $180.2M | $157.0M | $87.5M | $8.4M | $387K | 0.43% | 2.66% | 0.28% |
| Q1 2025 | $182.2M | $156.2M | $87.4M | $8.1M | $122K | 0.27% | 2.51% | 0.31% |
| Q4 2024 | $179.3M | $151.9M | $83.6M | $6.6M | $2K | 0.00% | 2.38% | 0.19% |
| Q3 2024 | $180.5M | $149.6M | $79.4M | $9.6M | $214K | 0.17% | 2.32% | 0.40% |
Loan mix (Q2 2026): real estate $70.0M · commercial $9.5M · consumer $2.6M · securities $83.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | La Salle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 62.9% | 86th |
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 | La Salle 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 | La Salle 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 | La Salle 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 | La Salle 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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