| Metric | Spur Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.6% | +4.4% | +16.2 pts |
| Deposit growth (YoY) | +17.0% | +4.0% | +13.1 pts |
| Loan growth (YoY) | +28.8% | +5.6% | +23.2 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 10.0% | 11.9% | -1.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.6M | $127.3M | $94.5M | $12.6M | $508K | 0.75% | 3.84% | 0.00% |
| Q1 2026 | $129.8M | $120.0M | $85.7M | $9.0M | $229K | 0.69% | 3.64% | 0.00% |
| Q4 2025 | $134.5M | $125.0M | $82.5M | $8.8M | $353K | 0.30% | 3.55% | 0.11% |
| Q3 2025 | $120.9M | $111.9M | $76.0M | $8.3M | $366K | 0.42% | 3.56% | 0.04% |
| Q2 2025 | $116.6M | $108.8M | $73.4M | $7.2M | $205K | 0.36% | 3.51% | 0.33% |
| Q1 2025 | $115.7M | $108.0M | $65.5M | $7.2M | $24K | 0.09% | 3.37% | 0.00% |
| Q4 2024 | $108.8M | $101.5M | $57.7M | $6.8M | $7K | 0.01% | 3.57% | 0.00% |
| Q3 2024 | $99.8M | $91.5M | $55.4M | $7.8M | $4K | 0.01% | 3.65% | 0.00% |
Loan mix (Q2 2026): real estate $65.8M · commercial $27.2M · consumer $789K · securities $27.2M
| Ratio | Spur Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 62.9% | 79th |
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 | Spur Security 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 | Spur Security 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 | Spur Security 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 | Spur Security 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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