| Metric | Sentry Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +4.4% | +14.6 pts |
| Deposit growth (YoY) | +21.9% | +4.0% | +17.9 pts |
| Loan growth (YoY) | +27.7% | +5.6% | +22.1 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $415.5M | $365.0M | $306.0M | $37.0M | $2.5M | 1.26% | 3.99% | 0.00% |
| Q1 2026 | $378.6M | $330.0M | $287.3M | $35.4M | $1.1M | 1.21% | 3.94% | 0.00% |
| Q4 2025 | $374.6M | $324.2M | $271.7M | $36.2M | $4.3M | 1.22% | 3.80% | 0.01% |
| Q3 2025 | $368.7M | $318.8M | $251.1M | $34.5M | $3.0M | 1.16% | 3.73% | 0.01% |
| Q2 2025 | $349.3M | $299.5M | $239.6M | $33.0M | $1.9M | 1.13% | 3.65% | 0.01% |
| Q1 2025 | $335.2M | $287.1M | $235.8M | $31.2M | $838K | 1.02% | 3.45% | 0.01% |
| Q4 2024 | $322.3M | $274.2M | $225.6M | $30.5M | $3.3M | 1.03% | 3.41% | 0.01% |
| Q3 2024 | $324.1M | $277.4M | $227.1M | $31.1M | $2.4M | 1.00% | 3.36% | 0.01% |
Loan mix (Q2 2026): real estate $248.7M · commercial $56.2M · consumer $3.9M · securities $63.2M
| Ratio | Sentry Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 22th |
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 | Sentry 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 | Sentry 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 | Sentry 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 | Sentry 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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