Studio Bank
Total assets
$1.34B
▲ +24.7% YoY
Deposits
$1.17B
▲ +35.5% YoY
Loans
$1.02B
▲ +26.5% YoY
Offices
2
STUDIO FINANCIAL HOLDINGS INC
ROA (annualized)
0.71%
peers 1.26%
ROE (annualized)
7.63%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Studio Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.7% | +5.5% | +19.3 pts |
| Deposit growth (YoY) | +35.5% | +5.1% | +30.5 pts |
| Loan growth (YoY) | +26.5% | +5.9% | +20.6 pts |
| ROA | 0.71% | 1.26% | -0.5 pts |
| ROE | 7.6% | 12.2% | -4.5 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
Profile
- Established
- 2018
- Charter
- State
- Primary regulator
- FED
- Holding company
- STUDIO FINANCIAL HOLDINGS INC
- Specialization
- Commercial Lending Specialization
- Address
- 124 12th Ave S, Nashville, TN, 37203
- County
- Davidson
- Metro area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Offices
- 2
- FDIC cert #
- 59112
- RSSD ID
- 5205819
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.34B | $1.17B | $1.02B | $126.5M | $4.7M | 0.71% | 3.24% | 1.06% |
| Q1 2026 | $1.36B | $1.18B | $1.01B | $121.9M | $1.9M | 0.58% | 3.28% | 0.45% |
| Q4 2025 | $1.24B | $1.07B | $943.9M | $120.8M | $9.2M | 0.81% | 3.16% | 0.54% |
| Q3 2025 | $1.26B | $1.09B | $868.3M | $116.6M | $6.2M | 0.75% | 3.06% | 0.47% |
| Q2 2025 | $1.08B | $860.5M | $805.8M | $97.7M | $4.1M | 0.78% | 3.05% | 0.54% |
| Q1 2025 | $1.05B | $924.5M | $763.7M | $96.5M | $1.9M | 0.75% | 3.03% | 0.57% |
| Q4 2024 | $1.02B | $847.5M | $752.1M | $94.0M | $8.4M | 0.84% | 2.83% | 0.71% |
| Q3 2024 | $1.01B | $804.0M | $746.8M | $93.0M | $5.9M | 0.79% | 2.78% | 0.81% |
Loan mix (Q2 2026): real estate $862.5M · commercial $168.1M · consumer $872K · securities $197.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Studio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.70% | 23th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 59.0% | 74th | |
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% |
Balance sheet
| Ratio | Studio 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% |
Capital
| Ratio | Studio 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% |
Credit quality
| Ratio | Studio 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% |
Franchise
| Ratio | Studio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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