| Metric | State Bank & Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | -10.7% | +5.6% | -16.3 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 14.7% | 11.9% | +2.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $197.6M | $174.3M | $101.6M | $19.5M | $1.4M | 1.44% | 3.17% | 0.68% |
| Q1 2026 | $198.8M | $174.6M | $105.9M | $19.1M | $694K | 1.41% | 3.09% | 0.69% |
| Q4 2025 | $196.4M | $170.9M | $108.7M | $19.4M | $2.4M | 1.23% | 2.87% | 0.80% |
| Q3 2025 | $193.1M | $169.2M | $110.3M | $18.7M | $1.7M | 1.12% | 2.81% | 0.71% |
| Q2 2025 | $194.9M | $171.8M | $113.8M | $18.0M | $1.1M | 1.08% | 2.74% | 0.80% |
| Q1 2025 | $199.6M | $168.3M | $113.6M | $17.4M | $526K | 1.06% | 2.69% | 0.86% |
| Q4 2024 | $198.6M | $162.9M | $109.6M | $16.4M | $934K | 0.46% | 2.27% | 0.76% |
| Q3 2024 | $203.8M | $175.5M | $109.2M | $17.0M | $580K | 0.38% | 2.23% | 0.96% |
Loan mix (Q2 2026): real estate $71.4M · commercial $10.6M · consumer $440K · securities $64.8M
| Ratio | State Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 62.9% | 14th |
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 & Trust Co. | 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 & Trust Co. | 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 & Trust Co. | 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 & Trust Co. | 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.