| Metric | Plains State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.9% | -7.6 pts |
| Deposit growth (YoY) | -2.5% | +4.3% | -6.8 pts |
| Loan growth (YoY) | -6.4% | +5.3% | -11.7 pts |
| ROA | 1.64% | 1.28% | +0.4 pts |
| ROE | 9.4% | 12.4% | -3.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $828.4M | $685.8M | $612.0M | $136.9M | $7.0M | 1.64% | 4.51% | 3.41% |
| Q1 2026 | $840.0M | $681.4M | $614.0M | $152.0M | $3.2M | 1.46% | 4.37% | 1.80% |
| Q4 2025 | $882.4M | $723.7M | $639.8M | $154.3M | $19.7M | 2.25% | 4.74% | 1.59% |
| Q3 2025 | $846.2M | $694.7M | $666.6M | $146.9M | $12.5M | 1.90% | 4.74% | 1.43% |
| Q2 2025 | $851.5M | $703.4M | $653.6M | $140.9M | $8.1M | 1.82% | 4.67% | 1.28% |
| Q1 2025 | $927.6M | $783.8M | $632.3M | $136.1M | $3.5M | 1.57% | 4.41% | 0.36% |
| Q4 2024 | $876.4M | $734.5M | $658.3M | $136.5M | $18.0M | 2.11% | 5.00% | 0.51% |
| Q3 2024 | $883.6M | $745.3M | $643.2M | $133.2M | $12.8M | 2.03% | 5.02% | 0.59% |
Loan mix (Q2 2026): real estate $515.6M · commercial $51.4M · consumer $36.2M · securities $72.8M
| Ratio | Plains State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.28% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 61.2% | 32th |
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 | Plains 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 | Plains 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 | Plains 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 | Plains 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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