| Metric | Stanton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.0% | +3.4 pts |
| Deposit growth (YoY) | +6.0% | +2.5% | +3.5 pts |
| Loan growth (YoY) | +5.9% | +2.6% | +3.3 pts |
| ROA | 1.28% | 0.99% | +0.3 pts |
| ROE | 13.7% | 8.1% | +5.7 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.8M | $58.4M | $37.1M | $6.1M | $405K | 1.28% | 3.94% | 0.14% |
| Q1 2026 | $63.1M | $56.8M | $35.3M | $5.9M | $209K | 1.34% | 3.86% | 0.15% |
| Q4 2025 | $61.4M | $55.3M | $37.5M | $5.7M | $354K | 0.59% | 3.56% | 0.51% |
| Q3 2025 | $61.1M | $55.1M | $36.2M | $5.7M | $392K | 0.87% | 3.48% | 0.58% |
| Q2 2025 | $60.9M | $55.2M | $35.1M | $5.5M | $212K | 0.71% | 3.34% | 0.61% |
| Q1 2025 | $60.4M | $54.9M | $33.3M | $5.3M | $53K | 0.36% | 3.13% | 0.59% |
| Q4 2024 | $57.3M | $51.9M | $31.9M | $5.1M | $181K | 0.31% | 3.07% | 0.00% |
| Q3 2024 | $58.5M | $53.1M | $31.2M | $5.2M | $247K | 0.55% | 2.99% | 0.17% |
Loan mix (Q2 2026): real estate $14.6M · commercial $11.8M · consumer $2.4M · securities $17.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Stanton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.99% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 8.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 70.8% | 42th |
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 | Stanton 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 | Stanton 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 | Stanton 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 | Stanton 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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