| Metric | State Bank of Easton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.0% | -0.0 pts |
| Deposit growth (YoY) | +3.7% | +2.5% | +1.2 pts |
| Loan growth (YoY) | +18.2% | +2.6% | +15.6 pts |
| ROA | 1.45% | 0.99% | +0.5 pts |
| ROE | 10.7% | 8.1% | +2.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.4M | $23.6M | $19.6M | $3.9M | $207K | 1.45% | 3.98% | 1.12% |
| Q1 2026 | $29.5M | $24.5M | $18.8M | $3.9M | $99K | 1.38% | 3.90% | 1.42% |
| Q4 2025 | $28.0M | $23.1M | $18.2M | $3.8M | $344K | 1.22% | 3.75% | 1.12% |
| Q3 2025 | $28.2M | $22.8M | $17.9M | $3.8M | $273K | 1.28% | 3.67% | 1.09% |
| Q2 2025 | $27.5M | $22.7M | $16.6M | $3.7M | $184K | 1.29% | 3.60% | 0.94% |
| Q1 2025 | $29.1M | $23.9M | $16.1M | $3.6M | $77K | 1.07% | 3.44% | 1.18% |
| Q4 2024 | $28.7M | $22.9M | $17.5M | $3.4M | $297K | 1.05% | 3.51% | 1.22% |
| Q3 2024 | $28.3M | $22.1M | $16.7M | $3.4M | $277K | 1.31% | 3.59% | 0.70% |
Loan mix (Q2 2026): real estate $11.6M · commercial $3.0M · consumer $2.0M · securities $3.4M
| Ratio | State Bank of Easton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.99% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 8.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 70.8% | 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 Easton | 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 Easton | 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 Easton | 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 Easton | 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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