No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $252.4M | $210.4M | $174.6M | $26.1M | $1.5M | 1.17% | 3.19% | 0.58% |
| Q1 2026 | $248.7M | $207.5M | $171.3M | $25.5M | $740K | 1.18% | 3.14% | 0.89% |
| Q4 2025 | $251.4M | $205.6M | $171.9M | $25.0M | $2.5M | 1.01% | 2.77% | 0.55% |
| Q3 2025 | $257.0M | $205.9M | $172.1M | $25.0M | $1.7M | 0.92% | 2.68% | 0.10% |
| Q2 2025 | $256.1M | $206.1M | $168.7M | $24.1M | $987K | 0.80% | 2.57% | 0.35% |
| Q1 2025 | $248.2M | $205.0M | $161.6M | $22.4M | $464K | 0.76% | 2.49% | 0.18% |
| Q4 2024 | $237.4M | $194.0M | $149.4M | $22.8M | $920K | 0.40% | 1.98% | 0.17% |
| Q3 2024 | $233.8M | $194.4M | $140.6M | $23.5M | $519K | 0.30% | 1.84% | 0.14% |
Loan mix (Q2 2026): real estate $150.0M · commercial $19.6M · consumer $5.5M · securities $66.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Smackover State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 62.9% | 22th |
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 | Smackover 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 | Smackover 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 | Smackover 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 | Smackover 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.