| Metric | Produce State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +12.1% | +5.6% | +6.5 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 12.1% | 11.9% | +0.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.2M | $94.6M | $59.2M | $11.9M | $726K | 1.31% | 4.54% | 0.70% |
| Q1 2026 | $110.6M | $98.2M | $60.8M | $11.9M | $366K | 1.31% | 4.50% | 0.85% |
| Q4 2025 | $113.6M | $101.1M | $57.2M | $12.1M | $1.5M | 1.35% | 4.43% | 0.80% |
| Q3 2025 | $108.0M | $95.6M | $53.9M | $12.0M | $1.1M | 1.36% | 4.43% | 0.71% |
| Q2 2025 | $106.8M | $94.4M | $52.9M | $12.0M | $803K | 1.45% | 4.38% | 0.71% |
| Q1 2025 | $111.1M | $98.7M | $52.2M | $12.0M | $436K | 1.55% | 4.36% | 0.64% |
| Q4 2024 | $113.4M | $101.1M | $55.3M | $11.9M | $2.0M | 1.74% | 4.51% | 0.60% |
| Q3 2024 | $109.7M | $96.9M | $52.4M | $12.4M | $1.5M | 1.81% | 4.53% | 0.55% |
Loan mix (Q2 2026): real estate $40.1M · commercial $8.0M · consumer $3.9M · securities $39.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Produce State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52th |
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 | Produce 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 | Produce 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 | Produce 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 | Produce 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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