| Metric | Sloan State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +3.0% | +7.4 pts |
| Deposit growth (YoY) | +9.4% | +2.5% | +6.9 pts |
| Loan growth (YoY) | +0.8% | +2.6% | -1.8 pts |
| ROA | 1.44% | 0.99% | +0.4 pts |
| ROE | 23.3% | 8.1% | +15.2 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.9M | $73.8M | $23.0M | $5.0M | $567K | 1.44% | 3.30% | 1.35% |
| Q1 2026 | $86.7M | $81.6M | $25.5M | $4.9M | $260K | 1.32% | 3.23% | 0.58% |
| Q4 2025 | $70.8M | $65.8M | $25.4M | $4.8M | $983K | 1.38% | 3.38% | 0.49% |
| Q3 2025 | $70.6M | $65.7M | $24.8M | $4.7M | $763K | 1.42% | 3.38% | 0.69% |
| Q2 2025 | $71.4M | $67.5M | $22.8M | $3.8M | $476K | 1.33% | 3.33% | 1.46% |
| Q1 2025 | $73.2M | $69.5M | $23.1M | $3.6M | $245K | 1.36% | 3.20% | 0.56% |
| Q4 2024 | $70.6M | $67.3M | $24.1M | $3.1M | $945K | 1.37% | 3.25% | 0.88% |
| Q3 2024 | $69.3M | $65.0M | $22.3M | $4.1M | $744K | 1.44% | 3.24% | 0.81% |
Loan mix (Q2 2026): real estate $10.3M · commercial $1.2M · consumer $5.1M · securities $35.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sloan State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.99% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 23.3% | 8.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 70.8% | 12th |
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 | Sloan 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 | Sloan 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 | Sloan 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 | Sloan 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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