| Metric | Robert Lee State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +3.0% | -6.1 pts |
| Deposit growth (YoY) | -4.6% | +2.5% | -7.1 pts |
| Loan growth (YoY) | -4.8% | +2.6% | -7.4 pts |
| ROA | 0.30% | 0.99% | -0.7 pts |
| ROE | 2.4% | 8.1% | -5.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.9M | $37.2M | $14.5M | $5.7M | $67K | 0.30% | 3.75% | 0.71% |
| Q1 2026 | $46.6M | $40.9M | $15.4M | $5.7M | $-1K | -0.01% | 3.72% | 0.70% |
| Q4 2025 | $44.2M | $38.4M | $16.3M | $5.7M | $168K | 0.38% | 3.69% | 0.85% |
| Q3 2025 | $45.1M | $39.4M | $16.3M | $5.6M | $193K | 0.58% | 3.68% | 1.13% |
| Q2 2025 | $44.2M | $39.0M | $15.2M | $5.2M | $141K | 0.64% | 3.72% | 0.64% |
| Q1 2025 | $47.6M | $42.5M | $15.1M | $5.0M | $44K | 0.40% | 3.55% | 0.23% |
| Q4 2024 | $40.0M | $35.0M | $14.9M | $4.8M | $132K | 0.30% | 3.45% | 0.28% |
| Q3 2024 | $42.2M | $36.8M | $15.0M | $5.3M | $237K | 0.71% | 3.63% | 0.53% |
Loan mix (Q2 2026): real estate $9.3M · commercial $1.5M · consumer $2.9M · securities $23.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Robert Lee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.99% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 8.1% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 70.8% | 83rd |
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 | Robert Lee 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 | Robert Lee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Robert Lee 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 | Robert Lee 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 | Robert Lee 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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