| Metric | State National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +3.0% | -12.0 pts |
| Deposit growth (YoY) | -9.3% | +2.5% | -11.8 pts |
| Loan growth (YoY) | -2.9% | +2.6% | -5.5 pts |
| ROA | 0.83% | 0.99% | -0.2 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.1M | $47.7M | $43.0M | $7.4M | $247K | 0.83% | 4.38% | 1.02% |
| Q1 2026 | $60.9M | $53.4M | $44.8M | $7.3M | $185K | 1.20% | 4.29% | 0.95% |
| Q4 2025 | $62.3M | $54.9M | $47.3M | $7.2M | $-1.3M | -2.23% | 4.32% | 0.96% |
| Q3 2025 | $61.3M | $53.8M | $45.2M | $7.2M | $-1.3M | -2.97% | 4.34% | 0.98% |
| Q2 2025 | $60.6M | $52.6M | $44.3M | $7.6M | $-886K | -3.09% | 4.45% | 1.00% |
| Q1 2025 | $59.4M | $51.7M | $41.1M | $7.6M | $-898K | -6.45% | 4.41% | 1.06% |
| Q4 2024 | $51.9M | $43.4M | $37.3M | $8.4M | $-540K | -1.16% | 4.64% | 1.25% |
| Q3 2024 | $49.0M | $36.0M | $33.1M | $8.9M | $-511K | -1.50% | 4.60% | 1.47% |
Loan mix (Q2 2026): real estate $26.9M · commercial $5.2M · consumer $1.1M · securities $7.2M
| Ratio | State National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.99% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 70.8% | 80th |
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 National 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 National 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 National 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 National 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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