| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.8% | +3.0% | +22.8 pts |
| Deposit growth (YoY) | +31.4% | +2.5% | +28.9 pts |
| Loan growth (YoY) | +59.6% | +2.6% | +57.0 pts |
| ROA | -0.74% | 0.99% | -1.7 pts |
| ROE | -4.3% | 8.1% | -12.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.0M | $19.2M | $8.9M | $3.6M | $-77K | -0.74% | 4.01% | 0.12% |
| Q1 2026 | $20.7M | $16.9M | $8.4M | $3.7M | $45K | 0.91% | 4.02% | 0.14% |
| Q4 2025 | $18.9M | $15.0M | $7.9M | $3.6M | $345K | 2.03% | 4.06% | 0.00% |
| Q3 2025 | $17.7M | $13.9M | $6.5M | $3.5M | $174K | 1.41% | 4.05% | 0.00% |
| Q2 2025 | $18.2M | $14.6M | $5.6M | $3.4M | $89K | 1.11% | 3.96% | 0.00% |
| Q1 2025 | $15.5M | $12.2M | $5.6M | $3.3M | $82K | 2.19% | 4.11% | 0.00% |
| Q4 2024 | $14.4M | $11.2M | $5.6M | $3.2M | $134K | 0.91% | 4.19% | 0.50% |
| Q3 2024 | $14.6M | $11.2M | $5.5M | $3.3M | $172K | 1.55% | 4.24% | 0.00% |
Loan mix (Q2 2026): real estate $8.1M · commercial $526K · consumer $394K · securities $2.9M
| Ratio | Sainte Marie State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.74% | 0.99% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -4.3% | 8.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.6% | 70.8% | 92th |
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 | Sainte Marie 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 | Sainte Marie 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 | Sainte Marie 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 | Sainte Marie 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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