| Metric | Logan State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.0% | +4.8 pts |
| Deposit growth (YoY) | +7.8% | +2.5% | +5.3 pts |
| Loan growth (YoY) | +2.5% | +2.6% | -0.1 pts |
| ROA | 1.35% | 0.99% | +0.4 pts |
| ROE | 15.2% | 8.1% | +7.1 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.2M | $83.6M | $77.6M | $8.2M | $605K | 1.35% | 4.09% | 0.30% |
| Q1 2026 | $90.5M | $82.3M | $78.5M | $7.9M | $265K | 1.19% | 4.05% | 0.46% |
| Q4 2025 | $86.9M | $78.7M | $78.2M | $7.8M | $1.1M | 1.26% | 4.16% | 0.20% |
| Q3 2025 | $84.2M | $76.1M | $76.8M | $7.6M | $754K | 1.20% | 4.11% | 0.47% |
| Q2 2025 | $85.5M | $77.5M | $75.7M | $7.5M | $521K | 1.25% | 4.03% | 0.32% |
| Q1 2025 | $84.3M | $76.6M | $73.7M | $7.3M | $220K | 1.06% | 3.92% | 0.01% |
| Q4 2024 | $81.2M | $73.6M | $74.5M | $7.2M | $882K | 1.12% | 4.03% | 0.00% |
| Q3 2024 | $79.3M | $71.6M | $71.7M | $7.1M | $646K | 1.10% | 4.03% | 0.78% |
Loan mix (Q2 2026): real estate $45.5M · commercial $5.2M · consumer $2.2M · securities $678K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Logan State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.99% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 8.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 70.8% | 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 | Logan 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 | Logan 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 | Logan 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 | Logan 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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