| Metric | Sibley State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.9 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 14.1% | 11.9% | +2.2 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.4M | $91.5M | $66.0M | $10.6M | $748K | 1.41% | 3.79% | 0.29% |
| Q1 2026 | $110.0M | $96.6M | $65.8M | $10.7M | $337K | 1.26% | 3.67% | 0.31% |
| Q4 2025 | $103.6M | $89.7M | $68.7M | $10.5M | $1.4M | 1.35% | 3.63% | 0.19% |
| Q3 2025 | $105.0M | $91.0M | $67.5M | $10.1M | $1.1M | 1.39% | 3.57% | 0.25% |
| Q2 2025 | $103.5M | $89.2M | $66.2M | $10.6M | $706K | 1.35% | 3.47% | 0.94% |
| Q1 2025 | $106.9M | $92.8M | $69.7M | $10.0M | $333K | 1.27% | 3.32% | 0.19% |
| Q4 2024 | $103.1M | $88.8M | $66.7M | $9.4M | $1.0M | 0.97% | 3.31% | 0.01% |
| Q3 2024 | $106.8M | $93.0M | $68.2M | $9.6M | $788K | 1.01% | 3.29% | 0.03% |
Loan mix (Q2 2026): real estate $17.7M · commercial $1.2M · consumer $623K · securities $28.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sibley State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 24th |
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 | Sibley 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 | Sibley 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 | Sibley 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 | Sibley 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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