| Metric | State Bank of Jeffers | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.0% | -3.3 pts |
| Deposit growth (YoY) | -2.3% | +2.5% | -4.8 pts |
| Loan growth (YoY) | -4.0% | +2.6% | -6.6 pts |
| ROA | 2.24% | 0.99% | +1.2 pts |
| ROE | 16.3% | 8.1% | +8.2 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 | $37.1M | $31.2M | $18.9M | $5.5M | $428K | 2.24% | 4.52% | 0.00% |
| Q1 2026 | $39.8M | $34.2M | $20.5M | $5.3M | $244K | 2.52% | 4.41% | 0.00% |
| Q4 2025 | $37.7M | $32.3M | $19.7M | $5.0M | $599K | 1.58% | 4.52% | 0.00% |
| Q3 2025 | $37.4M | $32.1M | $19.6M | $5.1M | $486K | 1.71% | 4.51% | 0.00% |
| Q2 2025 | $37.2M | $32.0M | $19.6M | $4.9M | $327K | 1.71% | 4.49% | 0.00% |
| Q1 2025 | $38.5M | $33.4M | $20.4M | $4.8M | $170K | 1.76% | 4.53% | 0.00% |
| Q4 2024 | $38.9M | $34.0M | $19.4M | $4.6M | $670K | 1.82% | 4.70% | 0.00% |
| Q3 2024 | $37.2M | $32.3M | $19.1M | $4.7M | $588K | 2.17% | 4.77% | 0.00% |
Loan mix (Q2 2026): real estate $2.6M · commercial $4.6M · consumer $2.0M · securities $11.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Jeffers | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 0.99% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 8.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.7% | 70.8% | 3th |
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 Jeffers | 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 Jeffers | 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 Jeffers | 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 Jeffers | 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.