| Metric | State Bank of Chandler | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.0% | -0.5 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | +5.8% | +2.6% | +3.2 pts |
| ROA | 1.49% | 0.99% | +0.5 pts |
| ROE | 13.6% | 8.1% | +5.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.7M | $60.2M | $46.7M | $7.7M | $514K | 1.49% | 4.07% | 0.66% |
| Q1 2026 | $68.5M | $60.1M | $45.5M | $7.4M | $234K | 1.35% | 4.00% | 0.78% |
| Q4 2025 | $70.1M | $59.9M | $47.7M | $7.5M | $872K | 1.27% | 3.94% | 1.07% |
| Q3 2025 | $67.4M | $58.5M | $44.1M | $8.0M | $665K | 1.30% | 3.92% | 0.94% |
| Q2 2025 | $67.0M | $58.5M | $44.2M | $7.7M | $451K | 1.32% | 3.94% | 1.17% |
| Q1 2025 | $67.7M | $59.5M | $43.7M | $7.4M | $222K | 1.29% | 3.95% | 0.00% |
| Q4 2024 | $69.7M | $60.3M | $47.3M | $7.4M | $736K | 1.09% | 3.61% | 0.00% |
| Q3 2024 | $66.9M | $56.0M | $44.0M | $7.3M | $529K | 1.05% | 3.55% | 0.00% |
Loan mix (Q2 2026): real estate $18.5M · commercial $4.1M · consumer $1.8M · securities $9.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Chandler | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.99% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 8.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 70.8% | 11th |
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 Chandler | 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 Chandler | 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 Chandler | 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 Chandler | 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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