| Metric | State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.0% | -3.6 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | +1.6% | +2.6% | -1.0 pts |
| ROA | 0.80% | 0.99% | -0.2 pts |
| ROE | 9.7% | 8.1% | +1.6 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 | $74.9M | $68.2M | $51.0M | $6.2M | $299K | 0.80% | 4.18% | 0.48% |
| Q1 2026 | $75.5M | $68.9M | $49.6M | $6.2M | $98K | 0.52% | 4.08% | 0.47% |
| Q4 2025 | $74.0M | $67.1M | $49.2M | $6.2M | $894K | 1.18% | 3.86% | 1.09% |
| Q3 2025 | $73.7M | $66.9M | $48.7M | $6.2M | $737K | 1.30% | 3.78% | 0.15% |
| Q2 2025 | $75.4M | $68.3M | $50.2M | $6.0M | $474K | 1.24% | 3.67% | 0.08% |
| Q1 2025 | $76.7M | $69.8M | $46.5M | $6.0M | $219K | 1.14% | 3.60% | 0.24% |
| Q4 2024 | $77.7M | $70.8M | $48.4M | $5.9M | $846K | 1.13% | 3.50% | 0.14% |
| Q3 2024 | $75.6M | $69.1M | $47.9M | $5.8M | $631K | 1.14% | 3.46% | 0.16% |
Loan mix (Q2 2026): real estate $36.8M · commercial $4.3M · consumer $1.3M · securities $8.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.99% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 8.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 70.8% | 72th |
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 | 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 | 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 | 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 | 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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