| Metric | Oconee State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.9% | +6.1 pts |
| Deposit growth (YoY) | +11.7% | +4.3% | +7.4 pts |
| Loan growth (YoY) | +16.2% | +5.3% | +10.8 pts |
| ROA | 0.81% | 1.28% | -0.5 pts |
| ROE | 8.9% | 12.4% | -3.6 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $744.1M | $658.3M | $537.3M | $68.9M | $3.0M | 0.81% | 4.19% | 2.07% |
| Q1 2026 | $722.4M | $639.7M | $497.8M | $66.4M | $1.3M | 0.71% | 4.07% | 1.18% |
| Q4 2025 | $733.9M | $649.6M | $477.0M | $66.7M | $6.6M | 0.98% | 4.33% | 0.85% |
| Q3 2025 | $689.0M | $607.9M | $466.3M | $64.0M | $5.1M | 1.03% | 4.33% | 0.84% |
| Q2 2025 | $670.2M | $589.4M | $462.4M | $55.9M | $3.1M | 0.95% | 4.26% | 0.80% |
| Q1 2025 | $645.9M | $576.7M | $419.0M | $53.5M | $1.1M | 0.71% | 4.12% | 0.82% |
| Q4 2024 | $639.9M | $570.4M | $406.3M | $52.8M | $5.4M | 0.89% | 4.17% | 0.78% |
| Q3 2024 | $621.8M | $548.7M | $380.1M | $51.9M | $4.2M | 0.93% | 4.17% | 0.81% |
Loan mix (Q2 2026): real estate $516.4M · commercial $26.8M · consumer $2.7M · securities $140.3M
| Ratio | Oconee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 61.2% | 81th |
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 | Oconee 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 | Oconee 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 | Oconee 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 | Oconee 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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