| Metric | Raritan State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 9.5% | 11.9% | -2.3 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.9M | $223.6M | $188.0M | $28.8M | $1.3M | 1.06% | 3.56% | 1.36% |
| Q1 2026 | $255.4M | $225.3M | $185.4M | $28.2M | $619K | 0.98% | 3.30% | 1.58% |
| Q4 2025 | $249.4M | $220.1M | $180.1M | $27.8M | $2.4M | 0.97% | 3.28% | 0.96% |
| Q3 2025 | $247.3M | $218.2M | $175.9M | $27.4M | $1.8M | 0.96% | 3.17% | 1.44% |
| Q2 2025 | $249.7M | $221.1M | $171.7M | $26.3M | $1.2M | 0.94% | 3.11% | 1.11% |
| Q1 2025 | $249.3M | $222.2M | $167.2M | $25.7M | $646K | 1.04% | 3.06% | 1.00% |
| Q4 2024 | $246.9M | $221.8M | $167.2M | $24.7M | $1.6M | 0.64% | 2.66% | 0.74% |
| Q3 2024 | $251.9M | $222.7M | $167.4M | $25.1M | $1.1M | 0.60% | 2.55% | 1.25% |
Loan mix (Q2 2026): real estate $103.7M · commercial $31.5M · consumer $13.9M · securities $43.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Raritan State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 62.9% | 40th |
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 | Raritan 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 | Raritan 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 | Raritan 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 | Raritan 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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