| Metric | State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 5.5% | 11.9% | -6.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $295.8M | $267.0M | $204.7M | $22.7M | $618K | 0.40% | 3.31% | 1.96% |
| Q1 2026 | $320.1M | $291.6M | $198.3M | $22.3M | $235K | 0.30% | 3.11% | 1.81% |
| Q4 2025 | $303.9M | $260.7M | $198.2M | $21.9M | $1.7M | 0.56% | 2.96% | 2.14% |
| Q3 2025 | $304.2M | $260.8M | $189.2M | $22.1M | $1.4M | 0.63% | 2.93% | 0.54% |
| Q2 2025 | $305.7M | $259.9M | $182.0M | $20.1M | $934K | 0.61% | 2.70% | 0.58% |
| Q1 2025 | $301.1M | $255.9M | $174.4M | $19.5M | $95K | 0.13% | 2.48% | 0.60% |
| Q4 2024 | $306.6M | $251.8M | $177.0M | $19.1M | $-196K | -0.06% | 2.33% | 0.62% |
| Q3 2024 | $315.4M | $244.6M | $175.8M | $20.1M | $-449K | -0.19% | 2.29% | 0.66% |
Loan mix (Q2 2026): real estate $185.9M · commercial $14.4M · consumer $1.6M · securities $52.6M
| Ratio | State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 62.9% | 90th |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 2 states (+0 vs 2024) · $259.9M branch deposits. Biggest market: Monroe, IL, ranked 2nd with 13.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, IL | 4 | $213.7M | 13.20% | 2nd |
| St. Louis, MO | 1 | $46.2M | 0.09% | 56th |
Illinois: 240th with 0.03% · Missouri: 281st with 0.02% · St. Louis metro: 71st, 0.18% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5