| Metric | Latimer State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +3.0% | -4.0 pts |
| Deposit growth (YoY) | -2.1% | +2.5% | -4.6 pts |
| Loan growth (YoY) | -1.7% | +2.6% | -4.3 pts |
| ROA | 2.53% | 0.99% | +1.5 pts |
| ROE | 10.2% | 8.1% | +2.1 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.5M | $49.2M | $12.6M | $16.3M | $832K | 2.53% | 3.87% | 0.16% |
| Q1 2026 | $66.1M | $49.6M | $12.6M | $16.4M | $405K | 2.46% | 3.88% | 0.25% |
| Q4 2025 | $65.4M | $48.9M | $12.9M | $16.4M | $1.7M | 2.59% | 4.16% | 0.12% |
| Q3 2025 | $65.7M | $49.5M | $12.6M | $16.0M | $1.4M | 2.76% | 4.19% | 0.21% |
| Q2 2025 | $66.2M | $50.2M | $12.8M | $15.8M | $891K | 2.66% | 4.09% | 0.11% |
| Q1 2025 | $67.5M | $51.5M | $12.5M | $15.9M | $431K | 2.56% | 3.99% | 0.27% |
| Q4 2024 | $67.2M | $51.4M | $12.9M | $15.7M | $1.5M | 2.30% | 3.76% | 0.23% |
| Q3 2024 | $65.1M | $49.8M | $12.0M | $15.3M | $1.2M | 2.35% | 3.68% | 0.20% |
Loan mix (Q2 2026): real estate $5.1M · commercial $5.8M · consumer $1.3M · securities $15.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Latimer State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 0.99% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 8.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.4% | 70.8% | 2th |
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 | Latimer 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 | Latimer 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 | Latimer 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 | Latimer 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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