No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.6M | $105.5M | $91.9M | $15.4M | $616K | 0.89% | 3.44% | 0.38% |
| Q1 2026 | $139.7M | $110.7M | $93.4M | $15.5M | $354K | 1.02% | 3.43% | 1.46% |
| Q4 2025 | $137.6M | $107.1M | $97.9M | $16.1M | $1.9M | 1.45% | 3.76% | 2.01% |
| Q3 2025 | $137.9M | $107.5M | $96.8M | $15.9M | $1.6M | 1.60% | 3.84% | 1.07% |
| Q2 2025 | $136.4M | $107.7M | $99.3M | $15.2M | $1.1M | 1.68% | 3.82% | 2.03% |
| Q1 2025 | $129.1M | $104.9M | $98.0M | $14.7M | $533K | 1.66% | 3.84% | 2.17% |
| Q4 2024 | $128.5M | $102.0M | $99.3M | $14.2M | $2.1M | 1.71% | 3.70% | 2.41% |
| Q3 2024 | $124.0M | $101.9M | $94.9M | $14.7M | $1.6M | 1.68% | 3.70% | 0.92% |
Loan mix (Q2 2026): real estate $62.3M · commercial $10.3M · consumer $3.2M · securities $37.6M
| Ratio | State Bank of Cherry | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 60th |
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 Cherry | 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 Cherry | 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 Cherry | 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 Cherry | 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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