| Metric | Oostburg State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +4.4% | +8.4 pts |
| Deposit growth (YoY) | +13.0% | +4.0% | +9.0 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 1.39% | 1.24% | +0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $440.2M | $388.4M | $317.0M | $47.7M | $3.0M | 1.39% | 4.03% | 0.10% |
| Q1 2026 | $429.9M | $380.8M | $311.5M | $45.3M | $1.3M | 1.21% | 3.92% | 0.20% |
| Q4 2025 | $433.5M | $383.1M | $298.7M | $44.8M | $4.5M | 1.12% | 3.74% | 0.14% |
| Q3 2025 | $412.2M | $362.1M | $287.8M | $44.6M | $3.5M | 1.19% | 3.67% | 0.11% |
| Q2 2025 | $390.4M | $343.8M | $282.0M | $42.0M | $2.2M | 1.10% | 3.56% | 0.30% |
| Q1 2025 | $391.0M | $346.1M | $276.1M | $40.5M | $1.1M | 1.13% | 3.46% | 0.20% |
| Q4 2024 | $394.1M | $349.5M | $273.4M | $39.0M | $3.7M | 1.02% | 3.42% | 0.20% |
| Q3 2024 | $372.7M | $326.7M | $266.2M | $41.1M | $3.0M | 1.12% | 3.40% | 0.25% |
Loan mix (Q2 2026): real estate $256.9M · commercial $51.0M · consumer $2.6M · securities $87.5M
| Ratio | Oostburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.9% | 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 | Oostburg 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 | Oostburg 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 | Oostburg 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 | Oostburg 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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