| Metric | State Bank of Chilton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +13.5% | +5.3% | +8.1 pts |
| ROA | 2.40% | 1.28% | +1.1 pts |
| ROE | 19.1% | 12.4% | +6.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $516.5M | $435.9M | $430.7M | $65.6M | $6.1M | 2.40% | 4.39% | 0.49% |
| Q1 2026 | $512.5M | $433.4M | $417.9M | $64.2M | $3.2M | 2.50% | 4.28% | 0.46% |
| Q4 2025 | $505.7M | $423.1M | $394.2M | $62.5M | $12.6M | 2.59% | 4.40% | 0.21% |
| Q3 2025 | $493.5M | $416.3M | $386.8M | $60.6M | $9.9M | 2.72% | 4.36% | 0.14% |
| Q2 2025 | $485.1M | $405.6M | $379.5M | $57.9M | $6.2M | 2.57% | 4.22% | 0.23% |
| Q1 2025 | $475.4M | $398.2M | $381.8M | $55.8M | $3.1M | 2.61% | 4.17% | 0.31% |
| Q4 2024 | $476.0M | $406.0M | $382.6M | $53.4M | $10.4M | 2.23% | 4.00% | 0.26% |
| Q3 2024 | $471.5M | $400.5M | $372.7M | $53.9M | $8.4M | 2.41% | 3.90% | 0.73% |
Loan mix (Q2 2026): real estate $391.3M · commercial $30.4M · consumer $3.1M · securities $32.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Chilton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.28% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 12.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.9% | 61.2% | 6th |
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 Chilton | 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 Chilton | 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 Chilton | 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 Chilton | 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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