| Metric | State Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.4% | +8.2 pts |
| Deposit growth (YoY) | +17.7% | +4.0% | +13.8 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 15.2% | 11.9% | +3.4 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $291.9M | $222.1M | $231.8M | $25.2M | $1.9M | 1.26% | 3.64% | 0.82% |
| Q1 2026 | $327.5M | $259.0M | $229.7M | $24.6M | $874K | 1.16% | 3.46% | 0.93% |
| Q4 2025 | $274.3M | $204.6M | $236.1M | $24.2M | $3.3M | 1.28% | 3.95% | 0.53% |
| Q3 2025 | $263.1M | $191.3M | $238.3M | $23.7M | $2.5M | 1.32% | 3.97% | 0.12% |
| Q2 2025 | $259.3M | $188.7M | $236.6M | $23.2M | $1.6M | 1.30% | 3.93% | 0.11% |
| Q1 2025 | $246.0M | $185.2M | $220.3M | $22.7M | $756K | 1.21% | 3.75% | 0.17% |
| Q4 2024 | $252.7M | $189.3M | $224.0M | $22.3M | $2.1M | 0.88% | 3.79% | 0.23% |
| Q3 2024 | $236.3M | $170.4M | $209.9M | $22.5M | $1.9M | 1.09% | 3.80% | 0.24% |
Loan mix (Q2 2026): real estate $183.7M · commercial $34.0M · consumer $1.3M · securities $308K
| Ratio | State Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 62.9% | 25th |
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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