| Metric | McClave State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.0% | -3.1 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | -1.1% | +2.6% | -3.7 pts |
| ROA | 1.81% | 0.99% | +0.8 pts |
| ROE | 13.7% | 8.1% | +5.6 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.9M | $65.5M | $68.1M | $11.0M | $732K | 1.81% | 4.98% | 0.00% |
| Q1 2026 | $79.1M | $66.1M | $64.8M | $10.6M | $354K | 1.73% | 4.81% | 0.34% |
| Q4 2025 | $84.4M | $71.6M | $70.8M | $10.4M | $1.1M | 1.41% | 4.74% | 0.92% |
| Q3 2025 | $81.8M | $67.2M | $71.2M | $10.2M | $875K | 1.48% | 4.77% | 0.33% |
| Q2 2025 | $79.0M | $65.6M | $68.8M | $9.8M | $585K | 1.50% | 4.86% | 0.57% |
| Q1 2025 | $76.4M | $64.5M | $64.2M | $9.6M | $296K | 1.53% | 4.76% | 0.00% |
| Q4 2024 | $78.8M | $65.0M | $66.8M | $9.4M | $1.1M | 1.56% | 4.89% | 0.12% |
| Q3 2024 | $76.5M | $62.4M | $65.4M | $9.2M | $875K | 1.68% | 4.87% | 0.47% |
Loan mix (Q2 2026): real estate $37.9M · commercial $6.3M · consumer $918K · securities $4.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | McClave State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.99% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 8.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 70.8% | 10th |
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 | McClave 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 | McClave 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 | McClave 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 | McClave 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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