| Metric | Sidney State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +4.4% | -9.7 pts |
| Deposit growth (YoY) | -6.8% | +4.0% | -10.8 pts |
| Loan growth (YoY) | -2.9% | +5.6% | -8.5 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 20.4% | 11.9% | +8.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.7M | $123.1M | $90.9M | $13.5M | $1.4M | 1.93% | 5.10% | 0.11% |
| Q1 2026 | $143.2M | $127.9M | $93.5M | $13.2M | $687K | 1.94% | 5.15% | 0.08% |
| Q4 2025 | $140.6M | $125.5M | $93.3M | $13.3M | $2.4M | 1.70% | 4.67% | 0.13% |
| Q3 2025 | $145.2M | $130.3M | $92.2M | $12.7M | $1.5M | 1.43% | 4.03% | 0.08% |
| Q2 2025 | $146.5M | $132.1M | $93.6M | $12.4M | $1.1M | 1.55% | 4.48% | 0.10% |
| Q1 2025 | $144.3M | $130.6M | $92.2M | $11.7M | $487K | 1.42% | 4.31% | 0.10% |
| Q4 2024 | $130.8M | $118.0M | $90.1M | $11.0M | $1.6M | 1.27% | 4.17% | 0.26% |
| Q3 2024 | $129.2M | $116.0M | $91.5M | $11.0M | $1.2M | 1.28% | 4.16% | 0.21% |
Loan mix (Q2 2026): real estate $80.0M · commercial $6.1M · consumer $4.5M · securities $37.2M
| Ratio | Sidney State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 62.9% | 17th |
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 | Sidney 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 | Sidney 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 | Sidney 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 | Sidney 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 | Sidney 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.
3 branches in 1 county across 1 state (+0 vs 2024) · $132.1M branch deposits. Biggest market: Montcalm, MI, ranked 4th with 9.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montcalm, MI | 3 | $132.1M | 9.44% | 4th |
Michigan: 178th with 0.04% · Grand Rapids-Wyoming-Kentwood metro: 40th, 0.33% ·
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3