| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +3.0% | -8.4 pts |
| Deposit growth (YoY) | -5.5% | +2.5% | -8.0 pts |
| Loan growth (YoY) | -13.8% | +2.6% | -16.4 pts |
| ROA | 0.22% | 0.99% | -0.8 pts |
| ROE | 2.0% | 8.1% | -6.0 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.4M | $38.4M | $22.3M | $5.4M | $53K | 0.22% | 2.09% | 1.22% |
| Q1 2026 | $48.9M | $40.1M | $22.8M | $5.1M | $31K | 0.25% | 2.05% | 1.04% |
| Q4 2025 | $49.6M | $40.8M | $24.6M | $5.1M | $98K | 0.20% | 2.03% | 0.02% |
| Q3 2025 | $48.4M | $39.7M | $25.1M | $4.9M | $74K | 0.20% | 2.01% | 0.03% |
| Q2 2025 | $49.0M | $40.7M | $25.9M | $4.5M | $40K | 0.16% | 1.92% | 0.58% |
| Q1 2025 | $53.5M | $44.3M | $26.1M | $4.7M | $14K | 0.11% | 1.95% | 0.57% |
| Q4 2024 | $50.8M | $41.9M | $27.3M | $4.9M | $305K | 0.58% | 2.28% | 0.04% |
| Q3 2024 | $52.6M | $42.2M | $28.3M | $4.8M | $119K | 0.30% | 1.98% | 0.76% |
Loan mix (Q2 2026): real estate $15.8M · commercial $949K · consumer $2.5M · securities $19.7M
| Ratio | State Bank of Bellingham | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.99% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 70.8% | 81th |
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 of Bellingham | 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 of Bellingham | 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 of Bellingham | 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 of Bellingham | 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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