| Metric | State Bank of Bement | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 6.9% | 11.9% | -5.0 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.6M | $165.9M | $108.1M | $18.6M | $632K | 0.68% | 3.94% | 0.32% |
| Q1 2026 | $185.1M | $165.8M | $109.2M | $18.3M | $335K | 0.72% | 3.86% | 0.14% |
| Q4 2025 | $185.6M | $158.5M | $118.4M | $18.1M | $1.2M | 0.67% | 4.05% | 0.15% |
| Q3 2025 | $181.4M | $160.5M | $114.2M | $18.0M | $815K | 0.62% | 4.01% | 0.16% |
| Q2 2025 | $171.6M | $153.3M | $105.3M | $17.3M | $465K | 0.53% | 3.93% | 0.53% |
| Q1 2025 | $170.8M | $151.1M | $103.6M | $16.8M | $211K | 0.48% | 3.78% | 0.89% |
| Q4 2024 | $180.2M | $147.3M | $109.9M | $16.2M | $1.1M | 0.61% | 3.77% | 0.80% |
| Q3 2024 | $176.7M | $149.7M | $104.2M | $16.9M | $850K | 0.64% | 3.68% | 1.22% |
Loan mix (Q2 2026): real estate $51.3M · commercial $28.3M · consumer $9.0M · securities $46.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Bement | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 62.9% | 73th |
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 Bement | 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 Bement | 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 Bement | 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 Bement | 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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