| Metric | Stone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Deposit growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.8 pts |
| ROA | 1.68% | 1.28% | +0.4 pts |
| ROE | 21.0% | 12.4% | +8.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $950.7M | $757.7M | $735.7M | $74.9M | $7.6M | 1.68% | 3.11% | 1.52% |
| Q1 2026 | $895.0M | $715.3M | $687.3M | $72.6M | $4.1M | 1.86% | 3.08% | 1.83% |
| Q4 2025 | $882.6M | $704.2M | $680.6M | $70.9M | $10.7M | 1.22% | 2.92% | 1.32% |
| Q3 2025 | $915.5M | $696.4M | $716.8M | $69.9M | $8.5M | 1.30% | 2.82% | 0.75% |
| Q2 2025 | $873.8M | $690.6M | $673.8M | $66.2M | $4.4M | 1.04% | 2.64% | 1.17% |
| Q1 2025 | $852.1M | $656.7M | $657.5M | $65.6M | $2.2M | 1.03% | 2.67% | 1.07% |
| Q4 2024 | $839.6M | $659.7M | $636.6M | $63.7M | $8.0M | 1.00% | 2.75% | 1.42% |
| Q3 2024 | $822.3M | $647.8M | $642.4M | $64.3M | $5.6M | 0.94% | 2.80% | 1.61% |
Loan mix (Q2 2026): real estate $592.7M · commercial $81.1M · consumer $5.3M · securities $104.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Stone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.28% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 61.2% | 24th |
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 | Stone 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 | Stone 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 | Stone 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 | Stone 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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