| Metric | State Bank of India | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Loan growth (YoY) | +7.2% | +6.0% | +1.3 pts |
| ROA | 0.00% | 1.26% | -1.3 pts |
| ROE | 0.0% | 12.2% | -12.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.32B | $3.28B | $4.08B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $4.43B | $3.36B | $4.21B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $4.78B | $3.25B | $4.36B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $4.16B | $3.14B | $3.99B | — | — | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $4.05B | $3.08B | $3.80B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $3.86B | $2.94B | $3.69B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $3.82B | $2.91B | $3.47B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $3.57B | $2.72B | $3.39B | — | — | 0.00% | 0.00% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $1.08B · consumer — · securities $80.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of India | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 1.26% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | — | Not enough history yet. | 12.2% | — |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | 3.70% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% |
Peer lists, growth filters, CSV export, CRM push.
| 59.0% |
0th |
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 India | 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 India | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | State Bank of India | 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 India | 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 India | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $3.28B branch deposits. Biggest market: Cook, IL, ranked 19th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $3.28B | 0.67% | 19th |
Illinois: 33rd with 0.41% · Chicago-Naperville-Elgin metro: 26th, 0.49% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1