| Metric | Sanborn Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.0% | +4.3 pts |
| Deposit growth (YoY) | +2.3% | +2.5% | -0.2 pts |
| Loan growth (YoY) | +8.0% | +2.6% | +5.4 pts |
| ROA | 1.16% | 0.99% | +0.2 pts |
| ROE | 12.3% | 8.1% | +4.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.7M | $66.6M | $66.5M | $8.7M | $530K | 1.16% | 3.32% | 0.00% |
| Q1 2026 | $90.2M | $65.7M | $63.0M | $8.6M | $273K | 1.21% | 3.29% | 0.01% |
| Q4 2025 | $90.2M | $68.5M | $64.5M | $8.6M | $904K | 1.03% | 3.23% | 0.01% |
| Q3 2025 | $90.4M | $66.2M | $65.0M | $8.5M | $683K | 1.05% | 3.22% | 0.01% |
| Q2 2025 | $86.5M | $65.1M | $61.6M | $8.2M | $446K | 1.04% | 3.27% | 0.01% |
| Q1 2025 | $86.0M | $67.8M | $61.8M | $8.1M | $224K | 1.05% | 3.27% | 0.01% |
| Q4 2024 | $85.1M | $68.0M | $60.5M | $7.8M | $704K | 0.83% | 2.84% | 0.01% |
| Q3 2024 | $82.6M | $66.0M | $57.6M | $7.9M | $485K | 0.76% | 2.73% | 0.02% |
Loan mix (Q2 2026): real estate $42.3M · commercial $2.6M · consumer $2.5M · securities $14.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sanborn Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 8.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 70.8% | 29th |
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 | Sanborn Savings 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 | Sanborn Savings 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 | Sanborn Savings 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 | Sanborn Savings 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 | Sanborn Savings 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $66.6M branch deposits. Biggest market: O'Brien, IA, ranked 6th with 6.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| O'Brien, IA | 1 | $66.6M | 6.53% | 6th |
Iowa: 272nd with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (20 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).