| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.2 pts |
| Loan growth (YoY) | -1.4% | +5.6% | -7.0 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 14.4% | 11.9% | +2.6 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $457.4M | $367.3M | $309.0M | $48.9M | $3.5M | 1.53% | 4.55% | 0.91% |
| Q1 2026 | $455.2M | $365.4M | $311.9M | $47.1M | $1.4M | 1.24% | 4.35% | 0.95% |
| Q4 2025 | $454.0M | $359.6M | $314.8M | $49.0M | $6.9M | 1.60% | 4.79% | 0.71% |
| Q3 2025 | $449.0M | $353.8M | $320.8M | $49.3M | $5.3M | 1.64% | 4.83% | 0.85% |
| Q2 2025 | $433.3M | $339.5M | $313.3M | $47.5M | $3.2M | 1.52% | 4.86% | 0.32% |
| Q1 2025 | $409.7M | $318.1M | $315.4M | $46.8M | $1.8M | 1.75% | 4.84% | 0.27% |
| Q4 2024 | $418.0M | $327.2M | $292.7M | $45.7M | $6.6M | 1.59% | 4.66% | 0.22% |
| Q3 2024 | $417.2M | $323.3M | $290.9M | $47.2M | $5.0M | 1.61% | 4.63% | 0.19% |
Loan mix (Q2 2026): real estate $218.1M · commercial $61.0M · consumer $16.9M · securities $35.3M
| Ratio | Shelby Savings Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 62.9% | 62th |
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 | Shelby Savings Bank, SSB | 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 | Shelby Savings Bank, SSB | 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 | Shelby Savings Bank, SSB | 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 | Shelby Savings Bank, SSB | 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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