| Metric | State Bank of Scotia | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +3.0% | -6.1 pts |
| Deposit growth (YoY) | -3.6% | +2.5% | -6.1 pts |
| Loan growth (YoY) | -11.7% | +2.6% | -14.3 pts |
| ROA | 0.40% | 0.99% | -0.6 pts |
| ROE | 2.0% | 8.1% | -6.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.0M | $48.6M | $26.1M | $12.2M | $120K | 0.40% | 2.41% | 3.45% |
| Q1 2026 | $61.6M | $49.1M | $27.1M | $12.3M | $79K | 0.53% | 2.51% | 2.67% |
| Q4 2025 | $57.6M | $45.1M | $28.3M | $12.2M | $267K | 0.44% | 2.77% | 2.00% |
| Q3 2025 | $58.5M | $45.8M | $29.4M | $12.4M | $379K | 0.83% | 2.79% | 2.09% |
| Q2 2025 | $62.9M | $50.4M | $29.5M | $12.2M | $221K | 0.72% | 2.61% | 2.63% |
| Q1 2025 | $63.1M | $50.6M | $31.6M | $12.3M | $144K | 0.95% | 2.96% | 1.52% |
| Q4 2024 | $58.0M | $45.6M | $32.1M | $12.1M | $376K | 0.62% | 3.14% | 1.59% |
| Q3 2024 | $60.3M | $47.7M | $34.2M | $12.3M | $448K | 0.98% | 3.15% | 1.65% |
Loan mix (Q2 2026): real estate $14.2M · commercial $1.3M · consumer $910K · securities $15.3M
| Ratio | State Bank of Scotia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.99% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 8.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 70.8% | 47th |
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 Scotia | 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 Scotia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | State Bank of Scotia | 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 Scotia | 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 Scotia | 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $50.4M branch deposits. Biggest market: Greeley, NE, ranked 1st with 30.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greeley, NE | 1 | $50.4M | 30.86% | 1st |
Nebraska: 160th with 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1