| Metric | Legacy State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +4.4% | +9.4 pts |
| Deposit growth (YoY) | +15.7% | +4.0% | +11.7 pts |
| Loan growth (YoY) | +19.8% | +5.6% | +14.2 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $205.9M | $180.3M | $153.6M | $23.3M | $1.1M | 1.11% | 4.05% | 0.04% |
| Q1 2026 | $205.9M | $178.8M | $144.7M | $22.7M | $485K | 0.98% | 3.97% | 0.04% |
| Q4 2025 | $191.3M | $164.5M | $132.6M | $22.4M | $1.9M | 1.04% | 4.01% | 0.04% |
| Q3 2025 | $186.8M | $160.7M | $131.3M | $21.8M | $1.3M | 0.95% | 3.98% | 0.04% |
| Q2 2025 | $181.0M | $155.8M | $128.2M | $20.8M | $797K | 0.89% | 3.96% | 0.00% |
| Q1 2025 | $182.0M | $155.4M | $123.0M | $20.2M | $267K | 0.60% | 3.71% | 0.00% |
| Q4 2024 | $172.8M | $146.9M | $117.7M | $19.5M | $1.8M | 1.07% | 3.73% | 0.00% |
| Q3 2024 | $173.0M | $147.0M | $115.3M | $19.8M | $1.4M | 1.11% | 3.67% | 0.00% |
Loan mix (Q2 2026): real estate $146.6M · commercial $5.7M · consumer $3.2M · securities $40.4M
| Ratio | Legacy State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 48th |
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 | Legacy 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 | Legacy 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 | Legacy 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 | Legacy 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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