| Metric | Maxwell State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.6% | +3.0% | +16.6 pts |
| Deposit growth (YoY) | +14.6% | +2.5% | +12.1 pts |
| Loan growth (YoY) | +111.7% | +2.6% | +109.1 pts |
| ROA | -4.91% | 0.99% | -5.9 pts |
| ROE | -37.7% | 8.1% | -45.7 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.7M | $27.0M | $16.5M | $4.5M | $-715K | -4.91% | 3.46% | 0.54% |
| Q1 2026 | $28.1M | $24.6M | $14.4M | $3.3M | $-237K | -3.41% | 3.32% | 0.63% |
| Q4 2025 | $27.5M | $23.8M | $8.9M | $3.6M | $-500K | -1.93% | 2.94% | 0.17% |
| Q3 2025 | $26.4M | $22.5M | $8.9M | $3.7M | $-333K | -1.74% | 2.95% | 0.00% |
| Q2 2025 | $26.5M | $23.6M | $7.8M | $2.8M | $-118K | -0.94% | 2.80% | 0.16% |
| Q1 2025 | $25.5M | $22.6M | $7.8M | $2.7M | $-63K | -1.03% | 2.60% | 0.16% |
| Q4 2024 | $23.6M | $21.9M | $7.2M | $1.6M | $-2.3M | -9.04% | 2.75% | 0.21% |
| Q3 2024 | $24.8M | $22.8M | $8.2M | $1.8M | $-2.2M | -11.44% | 2.67% | 0.00% |
Loan mix (Q2 2026): real estate $9.7M · commercial $5.1M · consumer $512K · securities $6.6M
| Ratio | Maxwell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.91% | 0.99% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -37.7% | 8.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 188.7% | 70.8% | 97th |
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 | Maxwell 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 | Maxwell 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 | Maxwell 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 | Maxwell 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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