| Metric | Scott State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.1 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.2 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.5M | $178.0M | $116.5M | $23.8M | $1.1M | 1.12% | 3.81% | 0.14% |
| Q1 2026 | $207.5M | $182.2M | $115.2M | $23.5M | $568K | 1.11% | 3.75% | 0.28% |
| Q4 2025 | $202.8M | $177.5M | $119.8M | $23.4M | $1.9M | 0.91% | 3.48% | 0.89% |
| Q3 2025 | $207.1M | $180.7M | $117.2M | $22.6M | $1.5M | 0.93% | 3.41% | 0.25% |
| Q2 2025 | $210.0M | $176.4M | $118.5M | $22.0M | $916K | 0.86% | 3.33% | 0.17% |
| Q1 2025 | $212.4M | $179.7M | $117.7M | $20.7M | $410K | 0.77% | 3.23% | 0.11% |
| Q4 2024 | $216.0M | $176.5M | $121.2M | $19.3M | $1.6M | 0.77% | 3.03% | 0.24% |
| Q3 2024 | $211.0M | $181.0M | $110.8M | $20.6M | $1.2M | 0.77% | 2.95% | 0.29% |
Loan mix (Q2 2026): real estate $80.4M · commercial $27.2M · consumer $4.0M · securities $67.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Scott State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 62.9% | 70th |
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 | Scott 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 | Scott 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 | Scott 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 | Scott 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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