| Metric | State Bank of Lakota | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +3.0% | -3.0 pts |
| Deposit growth (YoY) | -0.4% | +2.5% | -2.9 pts |
| Loan growth (YoY) | +1.4% | +2.6% | -1.2 pts |
| ROA | 1.07% | 0.99% | +0.1 pts |
| ROE | 11.3% | 8.1% | +3.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.2M | $57.6M | $38.5M | $6.3M | $352K | 1.07% | 3.80% | 0.30% |
| Q1 2026 | $66.3M | $59.7M | $35.1M | $6.2M | $235K | 1.41% | 3.71% | 0.24% |
| Q4 2025 | $66.9M | $60.6M | $39.9M | $6.1M | $860K | 1.26% | 3.66% | 0.30% |
| Q3 2025 | $69.7M | $63.0M | $38.2M | $6.2M | $612K | 1.19% | 3.55% | 0.69% |
| Q2 2025 | $64.2M | $57.8M | $38.0M | $6.0M | $377K | 1.11% | 3.46% | 0.24% |
| Q1 2025 | $67.0M | $60.8M | $36.9M | $6.0M | $203K | 1.16% | 3.28% | 0.17% |
| Q4 2024 | $73.0M | $67.0M | $39.2M | $5.8M | $818K | 1.27% | 3.77% | 0.12% |
| Q3 2024 | $61.0M | $54.4M | $39.9M | $6.1M | $672K | 1.43% | 3.88% | 0.33% |
Loan mix (Q2 2026): real estate $14.0M · commercial $3.1M · consumer $2.0M · securities $15.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Lakota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.99% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 8.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 70.8% | 34th |
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 Lakota | 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 Lakota | 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 Lakota | 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 Lakota | 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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