| Metric | SouthStar Bank, S.S.B. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.5% | +2.9 pts |
| Deposit growth (YoY) | +9.2% | +5.1% | +4.2 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 1.55% | 1.26% | +0.3 pts |
| ROE | 12.3% | 12.2% | +0.2 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 | $1.37B | $1.13B | $1.03B | $170.8M | $10.3M | 1.55% | 4.63% | 0.88% |
| Q1 2026 | $1.34B | $1.09B | $962.5M | $167.2M | $5.1M | 1.54% | 4.62% | 1.37% |
| Q4 2025 | $1.29B | $1.05B | $987.0M | $164.7M | $20.0M | 1.59% | 4.75% | 0.93% |
| Q3 2025 | $1.29B | $1.05B | $957.4M | $160.5M | $14.7M | 1.57% | 4.70% | 0.91% |
| Q2 2025 | $1.26B | $1.03B | $961.0M | $153.8M | $9.5M | 1.54% | 4.62% | 0.87% |
| Q1 2025 | $1.26B | $1.03B | $916.9M | $150.6M | $4.7M | 1.53% | 4.59% | 0.47% |
| Q4 2024 | $1.18B | $924.9M | $891.5M | $145.3M | $17.0M | 1.40% | 4.45% | 0.40% |
| Q3 2024 | $1.20B | $918.7M | $910.1M | $146.0M | $12.9M | 1.41% | 4.38% | 0.44% |
Loan mix (Q2 2026): real estate $766.2M · commercial $16.2M · consumer $4.9M · securities $180.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | SouthStar Bank, S.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 59.0% | 45th |
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 | SouthStar Bank, S.S.B. | 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 | SouthStar Bank, S.S.B. | 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 | SouthStar Bank, S.S.B. | 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 | SouthStar Bank, S.S.B. | 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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