| Metric | Richland State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.9% | +3.0% | +18.9 pts |
| Deposit growth (YoY) | +24.0% | +2.5% | +21.5 pts |
| Loan growth (YoY) | +3.9% | +2.6% | +1.3 pts |
| ROA | 2.03% | 0.99% | +1.0 pts |
| ROE | 20.4% | 8.1% | +12.3 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.6M | $44.7M | $19.0M | $4.7M | $472K | 2.03% | 2.63% | 0.06% |
| Q1 2026 | $46.2M | $41.6M | $17.8M | $4.4M | $161K | 1.43% | 2.57% | 0.08% |
| Q4 2025 | $44.1M | $39.2M | $22.4M | $4.7M | $680K | 1.65% | 2.84% | 0.06% |
| Q3 2025 | $40.6M | $36.0M | $18.8M | $4.4M | $536K | 1.77% | 2.89% | 0.01% |
| Q2 2025 | $40.7M | $36.0M | $18.3M | $4.5M | $444K | 2.20% | 2.88% | 0.00% |
| Q1 2025 | $40.3M | $35.8M | $17.4M | $4.3M | $204K | 2.03% | 2.85% | 0.00% |
| Q4 2024 | $40.3M | $36.3M | $19.6M | $3.9M | $1.1M | 2.50% | 3.47% | 0.00% |
| Q3 2024 | $41.0M | $36.4M | $16.9M | $4.4M | $1.1M | 3.23% | 3.54% | 0.00% |
Loan mix (Q2 2026): real estate $10.2M · commercial $4.0M · consumer $2.4M · securities $18.6M
| Ratio | Richland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 0.99% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 8.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 70.8% | 47th |
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 | Richland 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 | Richland 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 | Richland 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 | Richland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.