| Metric | State Bank of Industry | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +3.0% | -6.2 pts |
| Deposit growth (YoY) | -5.3% | +2.5% | -7.8 pts |
| Loan growth (YoY) | +1.4% | +2.6% | -1.2 pts |
| ROA | 1.23% | 0.99% | +0.2 pts |
| ROE | 9.5% | 8.1% | +1.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.3M | $55.6M | $37.8M | $8.4M | $397K | 1.23% | 3.31% | 0.26% |
| Q1 2026 | $67.1M | $58.4M | $38.4M | $8.4M | $209K | 1.29% | 3.30% | 0.17% |
| Q4 2025 | $62.4M | $53.9M | $39.7M | $8.2M | $719K | 1.12% | 3.13% | 0.57% |
| Q3 2025 | $62.0M | $53.6M | $36.4M | $8.0M | $567K | 1.17% | 3.09% | 0.51% |
| Q2 2025 | $66.5M | $58.7M | $37.3M | $7.5M | $363K | 1.11% | 3.02% | 0.23% |
| Q1 2025 | $67.4M | $59.6M | $36.4M | $7.5M | $196K | 1.21% | 2.99% | 0.05% |
| Q4 2024 | $62.3M | $54.5M | $37.3M | $7.4M | $564K | 0.94% | 2.95% | 0.20% |
| Q3 2024 | $60.0M | $51.8M | $37.9M | $7.8M | $491K | 1.10% | 2.98% | 0.20% |
Loan mix (Q2 2026): real estate $18.7M · commercial $5.6M · consumer $2.2M · securities $16.2M
| Ratio | State Bank of Industry | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.99% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 8.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 70.8% | 32th |
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 Industry | 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 Industry | 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 Industry | 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 Industry | 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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