| Metric | Southwind Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.3 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 19.0% | 11.9% | +7.1 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.6M | $172.8M | $92.2M | $12.9M | $1.2M | 1.28% | 3.74% | 0.37% |
| Q1 2026 | $182.9M | $166.3M | $90.0M | $12.2M | $560K | 1.24% | 3.68% | 0.43% |
| Q4 2025 | $179.7M | $166.7M | $87.8M | $12.1M | $1.9M | 1.11% | 3.63% | 0.45% |
| Q3 2025 | $175.7M | $152.3M | $90.3M | $12.3M | $1.4M | 1.11% | 3.55% | 0.58% |
| Q2 2025 | $172.9M | $158.1M | $86.3M | $10.8M | $979K | 1.14% | 3.52% | 0.55% |
| Q1 2025 | $169.5M | $155.8M | $83.8M | $10.5M | $467K | 1.09% | 3.48% | 0.74% |
| Q4 2024 | $172.2M | $155.9M | $84.4M | $9.2M | $2.3M | 1.31% | 3.12% | 0.40% |
| Q3 2024 | $183.3M | $155.6M | $81.5M | $11.6M | $2.0M | 1.45% | 3.05% | 0.30% |
Loan mix (Q2 2026): real estate $70.6M · commercial $8.8M · consumer $6.6M · securities $85.3M
| Ratio | Southwind Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 62.9% | 16th |
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 | Southwind 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 | Southwind 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 | Southwind 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 | Southwind 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 | Southwind 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $158.1M branch deposits. Biggest market: Russell, KS, ranked 1st with 39.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Russell, KS | 1 | $118.7M | 39.80% | 1st |
| Osborne, KS | 1 | $39.4M | 23.41% | 3rd |
Kansas: 128th with 0.14% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2