| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.0% | +5.1 pts |
| Deposit growth (YoY) | +7.5% | +2.5% | +5.0 pts |
| Loan growth (YoY) | +12.7% | +2.6% | +10.1 pts |
| ROA | 1.38% | 0.99% | +0.4 pts |
| ROE | 15.2% | 8.1% | +7.1 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.0M | $42.5M | $25.8M | $4.3M | $319K | 1.38% | 3.74% | 0.85% |
| Q1 2026 | $45.8M | $41.6M | $25.4M | $4.0M | $153K | 1.33% | 3.76% | 0.94% |
| Q4 2025 | $46.2M | $41.8M | $25.5M | $4.3M | $390K | 0.88% | 3.58% | 0.88% |
| Q3 2025 | $44.7M | $40.2M | $24.3M | $4.0M | $281K | 0.85% | 3.53% | 0.91% |
| Q2 2025 | $43.5M | $39.5M | $22.9M | $3.7M | $212K | 0.97% | 3.38% | 0.96% |
| Q1 2025 | $43.9M | $40.3M | $23.5M | $3.4M | $77K | 0.70% | 3.39% | 0.95% |
| Q4 2024 | $44.4M | $40.9M | $24.5M | $3.4M | $305K | 0.69% | 3.07% | 0.94% |
| Q3 2024 | $44.3M | $39.8M | $24.2M | $3.7M | $227K | 0.68% | 3.08% | 1.22% |
Loan mix (Q2 2026): real estate $20.7M · commercial $2.0M · consumer $2.8M · securities $16.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Lake Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.99% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 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 Lake Park | 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 Lake Park | 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 Lake Park | 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 Lake Park | 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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