| Metric | State Bank of Graymont | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.4% | -6.1 pts |
| Deposit growth (YoY) | -3.4% | +4.0% | -7.3 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.3 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $312.7M | $270.8M | $194.4M | $37.2M | $1.6M | 1.00% | 3.01% | 2.27% |
| Q1 2026 | $323.1M | $281.6M | $186.0M | $36.7M | $766K | 0.95% | 2.92% | 2.23% |
| Q4 2025 | $323.0M | $282.1M | $185.3M | $36.2M | $2.1M | 0.65% | 2.57% | 2.21% |
| Q3 2025 | $308.0M | $268.2M | $189.8M | $35.5M | $1.5M | 0.63% | 2.48% | 2.40% |
| Q2 2025 | $318.3M | $280.3M | $184.6M | $33.9M | $832K | 0.52% | 2.33% | 2.29% |
| Q1 2025 | $322.9M | $285.3M | $179.6M | $33.3M | $655K | 0.82% | 2.64% | 1.80% |
| Q4 2024 | $317.1M | $280.9M | $189.3M | $32.2M | $1.4M | 0.43% | 2.41% | 0.33% |
| Q3 2024 | $326.4M | $260.4M | $199.1M | $33.1M | $1.3M | 0.53% | 2.39% | 0.09% |
Loan mix (Q2 2026): real estate $136.7M · commercial $19.6M · consumer $2.8M · securities $94.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Graymont | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 62.9% | 45th |
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 Graymont | 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 Graymont | 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 Graymont | 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 Graymont | 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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