| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +3.0% | +10.5 pts |
| Deposit growth (YoY) | +19.0% | +2.5% | +16.5 pts |
| Loan growth (YoY) | -0.8% | +2.6% | -3.4 pts |
| ROA | 1.79% | 0.99% | +0.8 pts |
| ROE | 14.2% | 8.1% | +6.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.4M | $72.9M | $72.6M | $12.1M | $830K | 1.79% | 4.70% | 0.10% |
| Q1 2026 | $93.3M | $73.8M | $73.1M | $11.6M | $413K | 1.78% | 4.63% | 0.17% |
| Q4 2025 | $92.0M | $71.3M | $70.6M | $11.3M | $2.0M | 2.26% | 5.18% | 0.11% |
| Q3 2025 | $90.9M | $68.5M | $73.0M | $12.0M | $1.5M | 2.29% | 5.21% | 0.37% |
| Q2 2025 | $81.4M | $61.3M | $73.2M | $11.4M | $965K | 2.32% | 5.30% | 1.07% |
| Q1 2025 | $86.1M | $67.7M | $71.2M | $10.9M | $497K | 2.37% | 5.31% | 0.84% |
| Q4 2024 | $81.9M | $64.2M | $67.7M | $10.4M | $1.6M | 1.90% | 5.28% | 0.19% |
| Q3 2024 | $86.9M | $68.0M | $68.8M | $11.1M | $1.1M | 1.75% | 5.26% | 0.23% |
Loan mix (Q2 2026): real estate $62.6M · commercial $6.1M · consumer $2.8M · securities $4.0M
| Ratio | Sicily Island State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.99% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 8.1% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 70.8% | 33rd |
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 | Sicily Island 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 | Sicily Island State 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 | Sicily Island 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 | Sicily Island 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 | Sicily Island State 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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $72.9M branch deposits. Biggest market: Catahoula, LA, ranked 3rd with 18.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Catahoula, LA | 1 | $46.8M | 18.91% | 3rd |
| Franklin, LA | 1 | $26.1M | 4.35% | 5th |
Louisiana: 142nd with 0.05% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (19 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).