| Metric | State Bank of Taunton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +3.0% | -7.2 pts |
| Deposit growth (YoY) | -5.2% | +2.5% | -7.6 pts |
| Loan growth (YoY) | -21.3% | +2.6% | -23.9 pts |
| ROA | 0.74% | 0.99% | -0.3 pts |
| ROE | 7.2% | 8.1% | -0.9 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.6M | $37.1M | $26.1M | $4.9M | $175K | 0.74% | 4.06% | 2.31% |
| Q1 2026 | $47.0M | $37.7M | $25.7M | $4.8M | $78K | 0.66% | 3.78% | 1.54% |
| Q4 2025 | $48.2M | $38.6M | $24.7M | $4.9M | $-62K | -0.13% | 4.61% | 0.46% |
| Q3 2025 | $46.9M | $37.1M | $28.5M | $5.1M | $215K | 0.59% | 4.77% | 0.48% |
| Q2 2025 | $48.7M | $39.2M | $33.2M | $4.8M | $70K | 0.28% | 4.73% | 0.33% |
| Q1 2025 | $49.9M | $40.5M | $35.3M | $4.7M | $89K | 0.72% | 4.64% | 0.32% |
| Q4 2024 | $49.0M | $39.8M | $33.7M | $4.5M | $189K | 0.38% | 4.56% | 0.79% |
| Q3 2024 | $49.5M | $39.8M | $31.6M | $4.9M | $131K | 0.35% | 4.55% | 0.79% |
Loan mix (Q2 2026): real estate $21.0M · commercial $1.1M · consumer $109K · securities $11.5M
| Ratio | State Bank of Taunton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.99% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 8.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 70.8% | 73th |
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 Taunton | 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 Taunton | 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 Taunton | 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 Taunton | 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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