| Metric | Stillman BancCorp N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.9% | +0.4 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +18.0% | +5.3% | +12.7 pts |
| ROA | 0.79% | 1.28% | -0.5 pts |
| ROE | 10.2% | 12.4% | -2.3 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $645.6M | $570.9M | $300.3M | $49.7M | $2.5M | 0.79% | 2.78% | 0.31% |
| Q1 2026 | $638.7M | $570.6M | $278.9M | $48.9M | $1.2M | 0.78% | 2.73% | 0.27% |
| Q4 2025 | $625.2M | $554.4M | $284.3M | $49.6M | $3.6M | 0.58% | 2.47% | 0.28% |
| Q3 2025 | $610.4M | $536.4M | $261.5M | $47.9M | $2.6M | 0.56% | 2.43% | 0.22% |
| Q2 2025 | $613.2M | $546.8M | $254.4M | $42.2M | $1.5M | 0.50% | 2.37% | 0.00% |
| Q1 2025 | $612.3M | $554.1M | $236.0M | $41.1M | $546K | 0.36% | 2.23% | 0.00% |
| Q4 2024 | $595.6M | $538.5M | $232.8M | $37.3M | $1.9M | 0.33% | 2.02% | 0.00% |
| Q3 2024 | $592.5M | $520.8M | $225.5M | $41.6M | $1.2M | 0.28% | 1.99% | 0.00% |
Loan mix (Q2 2026): real estate $223.1M · commercial $49.0M · consumer $4.5M · securities $272.9M
| Ratio | Stillman BancCorp N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 61.2% | 84th |
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 | Stillman BancCorp N.A. | 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 | Stillman BancCorp N.A. | 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 | Stillman BancCorp N.A. | 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 | Stillman BancCorp N.A. | 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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