| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.4M | $118.5M | $129.4M | $14.4M | $1.0M | 1.40% | 4.37% | 0.69% |
| Q1 2026 | $148.5M | $118.5M | $124.5M | $14.2M | $508K | 1.39% | 4.33% | 0.00% |
| Q4 2025 | $142.8M | $112.8M | $126.3M | $14.0M | $1.8M | 1.25% | 4.39% | 0.00% |
| Q3 2025 | $142.3M | $111.6M | $129.4M | $13.7M | $1.5M | 1.38% | 4.34% | 0.24% |
| Q2 2025 | $146.3M | $115.9M | $127.0M | $13.2M | $905K | 1.25% | 4.21% | 0.31% |
| Q1 2025 | $146.1M | $115.9M | $121.9M | $12.7M | $434K | 1.20% | 4.09% | 0.39% |
| Q4 2024 | $143.0M | $112.8M | $121.2M | $12.3M | $1.6M | 1.19% | 4.25% | 0.29% |
| Q3 2024 | $140.0M | $108.9M | $116.4M | $12.2M | $1.4M | 1.46% | 4.27% | 0.29% |
Loan mix (Q2 2026): real estate $88.3M · commercial $8.7M · consumer $3.2M · securities $1.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Table Rock | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 62.9% | 58th |
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 Table Rock | 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 Table Rock | 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 Table Rock | 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 Table Rock | 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 Table Rock | 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.
6 branches in 4 counties across 1 state (+0 vs 2024) · $115.9M branch deposits. Biggest market: Pawnee, NE, ranked 1st with 45.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pawnee, NE | 3 | $59.8M | 45.42% | 1st |
| Richardson, NE | 1 | $28.7M | 16.13% | 2nd |
| Lancaster, NE | 1 | $16.6M | 0.11% | 32nd |
| 1 more county with Pro → | ||||
Nebraska: 115th with 0.12% · Lincoln metro: 35th, 0.10% ·
Branch count: 2022 7 · 2023 7 · 2024 6 · 2025 6