| Metric | State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.3% | +4.4% | +13.9 pts |
| Deposit growth (YoY) | +20.0% | +4.0% | +16.0 pts |
| Loan growth (YoY) | +19.5% | +5.6% | +13.9 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.4M | $104.0M | $91.3M | $10.9M | $606K | 1.09% | 4.42% | 0.27% |
| Q1 2026 | $112.2M | $100.9M | $91.2M | $10.5M | $262K | 0.96% | 4.39% | 0.28% |
| Q4 2025 | $105.0M | $94.1M | $88.1M | $10.3M | $861K | 0.90% | 4.62% | 0.00% |
| Q3 2025 | $104.8M | $93.6M | $84.2M | $10.0M | $732K | 1.05% | 4.56% | 0.00% |
| Q2 2025 | $97.6M | $86.7M | $76.4M | $9.6M | $345K | 0.78% | 4.44% | 0.00% |
| Q1 2025 | $87.7M | $77.1M | $73.3M | $9.4M | $129K | 0.61% | 4.45% | 0.00% |
| Q4 2024 | $81.4M | $71.2M | $67.7M | $9.3M | $119K | 0.17% | 4.27% | 0.00% |
| Q3 2024 | $77.0M | $66.9M | $61.3M | $9.2M | $51K | 0.10% | 4.26% | 0.00% |
Loan mix (Q2 2026): real estate $74.8M · commercial $16.3M · consumer $1.4M · securities $12.1M
| Ratio | State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 58th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $104.0M branch deposits. Biggest market: Sweetwater, WY, ranked 8th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sweetwater, WY | 2 | $68.0M | 4.79% | 8th |
| Uinta, WY | 1 | $35.9M | 4.74% | 6th |
Wyoming: 48th with 0.40% ·
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (14 bps of assets, 2024). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).