| Metric | Star Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | -0.4% | +4.0% | -4.4 pts |
| Loan growth (YoY) | -4.5% | +5.6% | -10.1 pts |
| ROA | 0.52% | 1.24% | -0.7 pts |
| ROE | 5.4% | 11.9% | -6.5 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.8M | $384.6M | $353.4M | $44.2M | $1.2M | 0.52% | 5.05% | 1.80% |
| Q1 2026 | $456.7M | $396.7M | $351.7M | $43.2M | $-240K | -0.21% | 5.03% | 2.11% |
| Q4 2025 | $465.0M | $403.6M | $366.1M | $44.1M | $3.5M | 0.77% | 4.71% | 2.83% |
| Q3 2025 | $455.6M | $395.1M | $370.2M | $43.1M | $2.4M | 0.72% | 4.63% | 3.69% |
| Q2 2025 | $445.2M | $386.2M | $370.1M | $41.8M | $719K | 0.32% | 4.55% | 2.97% |
| Q1 2025 | $458.6M | $397.4M | $364.9M | $43.9M | $1.4M | 1.21% | 4.45% | 1.95% |
| Q4 2024 | $462.5M | $402.5M | $370.7M | $42.4M | $7.4M | 1.75% | 4.74% | 1.86% |
| Q3 2024 | $445.4M | $382.9M | $359.3M | $40.7M | $5.0M | 1.62% | 4.61% | 1.18% |
Loan mix (Q2 2026): real estate $236.6M · commercial $57.5M · consumer $6.5M · securities $31.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 62.9% | 47th |
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 | Star 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 | Star 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 | Star 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 | Star 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.