| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.9% | -4.3 pts |
| Deposit growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +2.0% | +5.3% | -3.4 pts |
| ROA | 0.65% | 1.28% | -0.6 pts |
| ROE | 5.5% | 12.4% | -6.9 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $623.9M | $491.3M | $565.5M | $73.2M | $2.0M | 0.65% | 4.00% | 0.87% |
| Q1 2026 | $607.3M | $483.3M | $552.7M | $72.1M | $845K | 0.56% | 3.84% | 0.88% |
| Q4 2025 | $610.7M | $471.9M | $548.7M | $71.2M | $3.7M | 0.61% | 3.70% | 1.22% |
| Q3 2025 | $622.8M | $466.8M | $560.8M | $70.3M | $2.7M | 0.60% | 3.69% | 0.42% |
| Q2 2025 | $619.9M | $465.6M | $554.5M | $68.9M | $1.5M | 0.49% | 3.57% | 0.38% |
| Q1 2025 | $603.9M | $444.5M | $550.4M | $65.2M | $778K | 0.53% | 3.52% | 0.59% |
| Q4 2024 | $573.0M | $450.3M | $508.5M | $64.2M | $-464K | -0.09% | 2.92% | 0.58% |
| Q3 2024 | $553.4M | $453.3M | $510.8M | $63.2M | $1.3M | 0.33% | 2.86% | 0.20% |
Loan mix (Q2 2026): real estate $437.9M · commercial $117.7M · consumer $1.4M · securities $5.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | South Story Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 61.2% | 81th |
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 | South Story Bank & Trust | 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 | South Story Bank & Trust | 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 | South Story Bank & Trust | 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 | South Story Bank & Trust | 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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