| Metric | State Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.4% | +4.7 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 15.8% | 11.9% | +3.9 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $207.2M | $181.3M | $183.8M | $23.1M | $1.8M | 1.78% | 4.24% | 0.66% |
| Q1 2026 | $208.6M | $182.6M | $178.2M | $23.4M | $784K | 1.55% | 4.17% | 0.77% |
| Q4 2025 | $196.3M | $169.8M | $179.7M | $22.6M | $2.8M | 1.46% | 4.06% | 0.57% |
| Q3 2025 | $190.9M | $165.6M | $169.9M | $23.0M | $2.0M | 1.43% | 3.99% | 0.50% |
| Q2 2025 | $190.0M | $165.0M | $171.8M | $22.3M | $1.3M | 1.39% | 3.88% | 0.34% |
| Q1 2025 | $196.5M | $171.5M | $167.9M | $22.7M | $654K | 1.37% | 3.70% | 0.17% |
| Q4 2024 | $186.3M | $161.3M | $169.2M | $22.0M | $2.2M | 1.20% | 4.16% | 0.21% |
| Q3 2024 | $183.2M | $159.9M | $162.9M | $22.6M | $1.7M | 1.26% | 4.21% | 0.27% |
Loan mix (Q2 2026): real estate $126.8M · commercial $15.1M · consumer $5.1M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.4% | 62.9% | 2nd |
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 Savings 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 Savings 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 Savings 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 Savings 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 Savings 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 3 counties across 1 state (+0 vs 2025) · $181.3M branch deposits. Biggest market: Taylor, IA, ranked 1st with 48.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Taylor, IA | 2 | $110.6M | 48.02% | 1st |
| Cherokee, IA | 2 | $56.1M | 10.55% | 4th |
| Union, IA | 1 | $14.6M | 2.60% | 6th |
Iowa: 168th with 0.11% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).