| Metric | Leighton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.80% | 1.24% | +0.6 pts |
| ROE | 15.9% | 11.9% | +4.0 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $298.2M | $254.4M | $219.6M | $34.1M | $2.6M | 1.80% | 3.73% | 0.59% |
| Q1 2026 | $293.4M | $248.8M | $216.9M | $33.4M | $1.2M | 1.67% | 3.65% | 0.60% |
| Q4 2025 | $290.9M | $246.7M | $211.2M | $32.6M | $3.8M | 1.36% | 3.35% | 0.88% |
| Q3 2025 | $281.6M | $238.3M | $208.7M | $31.9M | $2.9M | 1.37% | 3.28% | 1.05% |
| Q2 2025 | $279.1M | $237.8M | $202.4M | $30.6M | $1.9M | 1.36% | 3.20% | 1.03% |
| Q1 2025 | $278.5M | $236.2M | $201.5M | $30.0M | $763K | 1.10% | 3.13% | 1.19% |
| Q4 2024 | $278.9M | $236.3M | $202.3M | $28.8M | $3.3M | 1.25% | 3.15% | 1.04% |
| Q3 2024 | $259.6M | $217.0M | $196.6M | $29.0M | $2.5M | 1.27% | 3.19% | 0.93% |
Loan mix (Q2 2026): real estate $160.5M · commercial $29.0M · consumer $1.6M · securities $53.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Leighton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 35th |
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 | Leighton 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 | Leighton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Leighton 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 | Leighton 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 | Leighton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+0 vs 2024) · $237.8M branch deposits. Biggest market: Marion, IA, ranked 2nd with 13.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IA | 2 | $151.7M | 13.13% | 2nd |
| Jasper, IA | 1 | $56.8M | 5.93% | 9th |
| Mahaska, IA | 1 | $29.3M | 7.49% | 6th |
Iowa: 128th with 0.16% · Des Moines-West Des Moines metro: 60th, 0.13% ·
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4