| Metric | State Bank of Newburg | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.4 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.4 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 12.9% | 11.9% | +1.1 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $328.1M | $260.1M | $281.4M | $56.4M | $3.5M | 2.14% | 4.27% | 0.00% |
| Q1 2026 | $330.9M | $259.8M | $272.5M | $54.6M | $1.7M | 2.05% | 4.16% | 0.00% |
| Q4 2025 | $331.8M | $262.8M | $275.4M | $52.9M | $6.1M | 1.95% | 4.11% | 0.00% |
| Q3 2025 | $326.2M | $256.0M | $270.9M | $52.6M | $4.4M | 1.89% | 4.04% | 0.19% |
| Q2 2025 | $303.4M | $237.9M | $258.3M | $51.2M | $2.7M | 1.79% | 3.98% | 0.05% |
| Q1 2025 | $305.5M | $237.2M | $246.1M | $49.7M | $1.2M | 1.62% | 3.82% | 0.18% |
| Q4 2024 | $297.8M | $231.2M | $241.0M | $48.5M | $4.4M | 1.59% | 3.50% | 0.11% |
| Q3 2024 | $289.8M | $223.2M | $237.3M | $48.0M | $3.1M | 1.53% | 3.40% | 0.08% |
Loan mix (Q2 2026): real estate $273.8M · commercial $5.9M · consumer $1.6M · securities $18.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Newburg | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.7% | 62.9% | 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 Newburg | 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 Newburg | 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 Newburg | 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 Newburg | 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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