| Metric | State Bank of De Kalb | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.9% | +5.2 pts |
| Deposit growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| Loan growth (YoY) | +5.4% | +5.3% | +0.1 pts |
| ROA | 2.29% | 1.28% | +1.0 pts |
| ROE | 19.3% | 12.4% | +6.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $519.9M | $455.1M | $379.9M | $62.3M | $5.8M | 2.29% | 4.75% | 0.18% |
| Q1 2026 | $521.1M | $458.3M | $362.5M | $60.6M | $2.8M | 2.17% | 4.74% | 0.20% |
| Q4 2025 | $491.4M | $430.6M | $366.2M | $58.6M | $11.1M | 2.35% | 5.00% | 0.22% |
| Q3 2025 | $485.4M | $425.8M | $365.9M | $56.9M | $8.1M | 2.32% | 4.96% | 0.32% |
| Q2 2025 | $472.4M | $414.8M | $360.4M | $55.3M | $5.3M | 2.31% | 4.97% | 0.11% |
| Q1 2025 | $461.6M | $405.8M | $354.6M | $53.8M | $2.5M | 2.25% | 4.96% | 0.10% |
| Q4 2024 | $436.4M | $382.3M | $348.3M | $52.3M | $8.9M | 2.00% | 4.58% | 0.19% |
| Q3 2024 | $457.5M | $387.9M | $337.6M | $51.7M | $6.9M | 2.04% | 4.47% | 0.12% |
Loan mix (Q2 2026): real estate $272.2M · commercial $85.5M · consumer $7.8M · securities $9.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of De Kalb | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.28% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 12.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 61.2% | 28th |
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 De Kalb | 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 De Kalb | 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 De Kalb | 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 De Kalb | 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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