| Metric | State Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +10.8% | +5.6% | +5.2 pts |
| ROA | 0.35% | 1.24% | -0.9 pts |
| ROE | 4.0% | 11.9% | -7.9 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $431.2M | $391.6M | $323.6M | $37.0M | $738K | 0.35% | 4.80% | 0.16% |
| Q1 2026 | $404.6M | $365.0M | $309.8M | $37.2M | $468K | 0.46% | 4.82% | 0.41% |
| Q4 2025 | $413.2M | $374.2M | $308.2M | $36.8M | $1.6M | 0.38% | 4.70% | 0.47% |
| Q3 2025 | $443.7M | $405.5M | $292.8M | $36.1M | $924K | 0.31% | 4.58% | 0.31% |
| Q2 2025 | $409.5M | $371.7M | $292.2M | $35.4M | $443K | 0.23% | 4.58% | 0.20% |
| Q1 2025 | $383.2M | $345.6M | $280.0M | $35.5M | $97K | 0.10% | 4.49% | 0.15% |
| Q4 2024 | $377.0M | $339.2M | $274.4M | $35.4M | $1.8M | 0.47% | 4.73% | 0.16% |
| Q3 2024 | $408.2M | $370.8M | $280.2M | $35.2M | $1.5M | 0.56% | 4.64% | 0.17% |
Loan mix (Q2 2026): real estate $294.2M · commercial $27.4M · consumer $903K · securities $21.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 62.9% | 94th |
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 |
|---|---|---|---|---|
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% |
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