| Metric | State Bank of Schaller | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.0% | -0.4 pts |
| Deposit growth (YoY) | +2.7% | +2.5% | +0.2 pts |
| Loan growth (YoY) | -3.0% | +2.6% | -5.6 pts |
| ROA | 0.81% | 0.99% | -0.2 pts |
| ROE | 6.0% | 8.1% | -2.1 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.6M | $34.9M | $10.0M | $5.5M | $162K | 0.81% | 2.53% | 0.92% |
| Q1 2026 | $39.8M | $34.2M | $9.8M | $5.5M | $77K | 0.77% | 2.57% | 0.85% |
| Q4 2025 | $39.8M | $34.3M | $10.3M | $5.3M | $480K | 1.19% | 2.78% | 1.80% |
| Q3 2025 | $38.3M | $32.8M | $9.5M | $5.2M | $379K | 1.25% | 2.72% | 1.62% |
| Q2 2025 | $39.6M | $34.0M | $10.3M | $5.3M | $234K | 1.14% | 2.70% | 0.87% |
| Q1 2025 | $41.5M | $36.1M | $10.8M | $5.3M | $131K | 1.25% | 2.89% | 0.96% |
| Q4 2024 | $42.0M | $36.7M | $11.1M | $5.1M | $411K | 1.00% | 2.89% | 0.99% |
| Q3 2024 | $42.3M | $37.2M | $11.0M | $5.0M | $368K | 1.20% | 2.62% | 0.99% |
Loan mix (Q2 2026): real estate $3.5M · commercial $589K · consumer $881K · securities $23.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Schaller | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.99% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 70.8% | 31th |
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 Schaller | 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 Schaller | 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 Schaller | 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 Schaller | 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.