| Metric | State Bank of Toulon | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 14.2% | 11.9% | +2.3 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 | $343.4M | $298.6M | $220.7M | $33.4M | $2.3M | 1.39% | 3.58% | 0.09% |
| Q1 2026 | $332.9M | $288.5M | $222.2M | $32.9M | $1.1M | 1.36% | 3.53% | 0.11% |
| Q4 2025 | $325.7M | $282.2M | $215.9M | $32.2M | $3.4M | 1.05% | 3.38% | 0.11% |
| Q3 2025 | $321.8M | $277.9M | $213.8M | $31.8M | $2.7M | 1.14% | 3.34% | 0.07% |
| Q2 2025 | $322.8M | $283.4M | $213.3M | $29.0M | $2.0M | 1.27% | 3.29% | 0.05% |
| Q1 2025 | $319.4M | $278.4M | $207.8M | $28.5M | $1.1M | 1.33% | 3.28% | 0.08% |
| Q4 2024 | $314.3M | $277.0M | $205.2M | $26.8M | $2.7M | 0.85% | 3.01% | 0.09% |
| Q3 2024 | $325.9M | $286.6M | $203.0M | $28.6M | $2.3M | 0.96% | 2.97% | 0.07% |
Loan mix (Q2 2026): real estate $119.9M · commercial $41.9M · consumer $2.9M · securities $76.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Toulon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 62.9% | 33rd |
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 Toulon | 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 Toulon | 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 Toulon | 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 Toulon | 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 Toulon | 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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $283.4M branch deposits. Biggest market: Stark, IL, ranked 1st with 56.1% of deposits.
Illinois: 205th with 0.04% · Peoria metro: 10th, 1.35% · Davenport-Moline-Rock Island metro: 31st, 0.70% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3