| Metric | State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +7.9% | +5.3% | +2.6 pts |
| ROA | 1.07% | 1.28% | -0.2 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $916.1M | $764.1M | $699.4M | $100.5M | $4.7M | 1.07% | 4.04% | 0.10% |
| Q1 2026 | $855.7M | $696.4M | $675.4M | $77.3M | $2.3M | 1.07% | 4.14% | 0.11% |
| Q4 2025 | $864.9M | $696.3M | $686.8M | $75.0M | $8.1M | 0.95% | 3.73% | 0.71% |
| Q3 2025 | $875.9M | $720.5M | $670.9M | $73.2M | $6.0M | 0.95% | 3.67% | 0.15% |
| Q2 2025 | $855.0M | $723.5M | $648.0M | $70.2M | $3.7M | 0.90% | 3.56% | 0.21% |
| Q1 2025 | $824.5M | $704.6M | $624.6M | $68.3M | $1.7M | 0.84% | 3.53% | 0.23% |
| Q4 2024 | $819.9M | $698.3M | $637.3M | $65.0M | $6.0M | 0.73% | 3.11% | 0.09% |
| Q3 2024 | $832.4M | $733.5M | $616.3M | $66.1M | $4.0M | 0.64% | 3.01% | 0.05% |
Loan mix (Q2 2026): real estate $572.5M · commercial $88.4M · consumer $7.5M · securities $86.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 61.2% | 62th |
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 | 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 | 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 | 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 | 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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