| Metric | State Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +3.0% | +8.8 pts |
| Deposit growth (YoY) | +6.3% | +2.5% | +3.8 pts |
| Loan growth (YoY) | +42.0% | +2.6% | +39.4 pts |
| ROA | 1.57% | 0.99% | +0.6 pts |
| ROE | 9.2% | 8.1% | +1.2 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.2M | $50.6M | $36.3M | $10.7M | $485K | 1.57% | 5.02% | 0.65% |
| Q1 2026 | $61.5M | $47.9M | $34.5M | $10.4M | $243K | 1.59% | 4.94% | 0.16% |
| Q4 2025 | $60.8M | $50.3M | $32.4M | $10.4M | $1.7M | 2.92% | 6.86% | 0.09% |
| Q3 2025 | $60.6M | $50.2M | $28.6M | $10.3M | $1.6M | 3.64% | 7.47% | 0.73% |
| Q2 2025 | $56.6M | $47.6M | $25.5M | $8.9M | $485K | 1.72% | 5.46% | 0.64% |
| Q1 2025 | $60.3M | $51.8M | $22.3M | $8.4M | $169K | 1.20% | 5.11% | 0.40% |
| Q4 2024 | $52.4M | $44.3M | $20.9M | $8.0M | $2.2M | 4.29% | 7.46% | 0.70% |
| Q3 2024 | $47.0M | $40.5M | $18.4M | $6.4M | $74K | 0.20% | 4.28% | 1.99% |
Loan mix (Q2 2026): real estate $22.0M · commercial $8.7M · consumer $6.1M · securities $17.2M
| Ratio | State Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.99% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 8.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 70.8% | 52th |
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 Central 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 Central 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 Central 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 Central 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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