| Metric | State Bank Financial | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.9% | -3.1 pts |
| Deposit growth (YoY) | +3.1% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +15.4% | +5.3% | +10.0 pts |
| ROA | 1.25% | 1.28% | -0.0 pts |
| ROE | 13.8% | 12.4% | +1.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $512.1M | $439.0M | $344.6M | $47.9M | $3.3M | 1.25% | 3.29% | 0.07% |
| Q1 2026 | $537.1M | $451.8M | $326.3M | $47.1M | $1.4M | 1.08% | 3.14% | 0.07% |
| Q4 2025 | $519.8M | $406.7M | $325.9M | $46.8M | $6.1M | 1.21% | 3.03% | 0.07% |
| Q3 2025 | $517.5M | $439.5M | $322.2M | $45.6M | $4.1M | 1.08% | 2.96% | 0.13% |
| Q2 2025 | $503.0M | $425.9M | $298.7M | $42.4M | $2.5M | 0.99% | 2.90% | 0.16% |
| Q1 2025 | $512.9M | $430.1M | $304.6M | $40.5M | $1.0M | 0.83% | 2.81% | 0.18% |
| Q4 2024 | $482.8M | $376.0M | $289.7M | $38.5M | $4.9M | 1.02% | 2.82% | 0.20% |
| Q3 2024 | $487.6M | $412.2M | $281.4M | $40.5M | $3.5M | 1.00% | 2.82% | 0.20% |
Loan mix (Q2 2026): real estate $277.2M · commercial $45.9M · consumer $3.9M · securities $120.8M
| Ratio | State Bank Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
19th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 61.2% | 53th |
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 Financial | 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 Financial | 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 Financial | 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 Financial | 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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