| Metric | St. Ansgar State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.6 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.0M | $136.2M | $122.8M | $18.3M | $1.1M | 1.13% | 2.95% | 0.08% |
| Q1 2026 | $189.4M | $142.9M | $130.8M | $18.1M | $490K | 1.04% | 2.88% | 0.36% |
| Q4 2025 | $189.3M | $146.1M | $124.7M | $17.8M | $1.6M | 0.83% | 2.69% | 0.58% |
| Q3 2025 | $185.3M | $134.8M | $121.2M | $17.8M | $1.2M | 0.87% | 2.66% | 1.06% |
| Q2 2025 | $183.1M | $134.5M | $119.7M | $17.7M | $846K | 0.89% | 2.62% | 0.60% |
| Q1 2025 | $193.1M | $140.0M | $125.2M | $17.6M | $424K | 0.88% | 2.54% | 0.40% |
| Q4 2024 | $193.9M | $140.3M | $121.2M | $17.7M | $1.3M | 0.70% | 2.39% | 0.03% |
| Q3 2024 | $179.6M | $129.9M | $111.5M | $17.5M | $902K | 0.67% | 2.32% | 0.02% |
Loan mix (Q2 2026): real estate $63.8M · commercial $16.0M · consumer $1.8M · securities $50.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | St. Ansgar State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
8th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 62.9% | 38th |
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 | St. Ansgar 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 | St. Ansgar 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 | St. Ansgar 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 | St. Ansgar State 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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