| Metric | Randall State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.1% | +3.0% | +25.1 pts |
| Deposit growth (YoY) | +18.7% | +2.5% | +16.2 pts |
| Loan growth (YoY) | +27.8% | +2.6% | +25.2 pts |
| ROA | 1.50% | 0.99% | +0.5 pts |
| ROE | 8.9% | 8.1% | +0.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.4M | $63.2M | $61.1M | $13.0M | $557K | 1.50% | 6.04% | 1.86% |
| Q1 2026 | $74.8M | $62.2M | $57.8M | $12.4M | $329K | 1.80% | 5.97% | 2.47% |
| Q4 2025 | $71.0M | $58.7M | $54.6M | $12.2M | $223K | 0.34% | 1.70% | 1.92% |
| Q3 2025 | $80.7M | $68.3M | $51.7M | $12.2M | $65K | 0.13% | 0.27% | 1.38% |
| Q2 2025 | $59.6M | $53.3M | $47.8M | $6.1M | $318K | 1.07% | 5.66% | 2.10% |
| Q1 2025 | $60.3M | $54.1M | $47.5M | $6.0M | $179K | 1.21% | 5.70% | 0.68% |
| Q4 2024 | $58.4M | $52.3M | $46.2M | $6.0M | $554K | 0.94% | 5.27% | 0.78% |
| Q3 2024 | $59.2M | $53.1M | $45.2M | $6.0M | $567K | 1.27% | 5.09% | 0.95% |
Loan mix (Q2 2026): real estate $56.8M · commercial $2.6M · consumer $2.0M · securities $2.3M
| Ratio | Randall State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.99% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 8.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 70.8% | 31th |
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 | Randall 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 | Randall 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 | Randall 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 | Randall 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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