| Metric | Oakstar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +5.5% | +5.0 pts |
| Deposit growth (YoY) | +7.5% | +5.1% | +2.4 pts |
| Loan growth (YoY) | +10.5% | +5.9% | +4.6 pts |
| ROA | 1.48% | 1.26% | +0.2 pts |
| ROE | 14.6% | 12.2% | +2.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.29B | $2.85B | $2.86B | $327.1M | $23.3M | 1.48% | 4.32% | 0.42% |
| Q1 2026 | $3.14B | $2.74B | $2.76B | $315.3M | $11.3M | 1.47% | 4.24% | 0.39% |
| Q4 2025 | $3.04B | $2.68B | $2.68B | $314.5M | $34.6M | 1.18% | 4.03% | 0.40% |
| Q3 2025 | $2.97B | $2.63B | $2.61B | $308.5M | $24.2M | 1.11% | 3.95% | 0.55% |
| Q2 2025 | $2.98B | $2.65B | $2.59B | $298.2M | $15.0M | 1.04% | 3.85% | 0.57% |
| Q1 2025 | $2.88B | $2.56B | $2.51B | $291.2M | $8.2M | 1.15% | 3.74% | 0.50% |
| Q4 2024 | $2.83B | $2.51B | $2.48B | $284.5M | $20.9M | 0.75% | 3.48% | 0.45% |
| Q3 2024 | $2.83B | $2.50B | $2.45B | $279.5M | $14.4M | 0.69% | 3.35% | 0.59% |
Loan mix (Q2 2026): real estate $2.23B · commercial $319.8M · consumer $52.7M · securities $102.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Oakstar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 59.0% | 41th |
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 | Oakstar 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 | Oakstar 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 | Oakstar 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 | Oakstar 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.