| Metric | Stockmens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.0% | +4.9% | +14.1 pts |
| Deposit growth (YoY) | +20.2% | +4.3% | +15.9 pts |
| Loan growth (YoY) | +23.0% | +5.3% | +17.7 pts |
| ROA | 1.48% | 1.28% | +0.2 pts |
| ROE | 13.2% | 12.4% | +0.7 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $650.8M | $567.4M | $547.9M | $69.0M | $4.5M | 1.48% | 4.79% | 0.15% |
| Q1 2026 | $591.8M | $509.1M | $496.8M | $68.1M | $2.2M | 1.55% | 4.92% | 0.48% |
| Q4 2025 | $566.7M | $487.6M | $501.4M | $66.0M | $8.1M | 1.47% | 4.76% | 0.25% |
| Q3 2025 | $573.5M | $495.1M | $466.0M | $64.0M | $5.9M | 1.44% | 4.65% | 0.25% |
| Q2 2025 | $547.0M | $471.9M | $445.4M | $62.0M | $3.8M | 1.40% | 4.62% | 0.26% |
| Q1 2025 | $533.5M | $466.0M | $431.9M | $61.2M | $1.8M | 1.35% | 4.52% | 0.27% |
| Q4 2024 | $539.4M | $474.8M | $423.6M | $59.2M | $7.1M | 1.34% | 4.42% | 0.35% |
| Q3 2024 | $517.9M | $453.7M | $422.8M | $57.6M | $5.3M | 1.33% | 4.35% | 0.21% |
Loan mix (Q2 2026): real estate $463.6M · commercial $51.6M · consumer $4.4M · securities $7.7M
| Ratio | Stockmens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.28% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 61.2% | 28th |
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 | Stockmens 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 | Stockmens 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 | Stockmens 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 | Stockmens 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.