| Metric | Summit State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +4.9% | -11.9 pts |
| Deposit growth (YoY) | -8.3% | +4.3% | -12.6 pts |
| Loan growth (YoY) | -12.7% | +5.3% | -18.1 pts |
| ROA | 0.07% | 1.28% | -1.2 pts |
| ROE | 0.7% | 12.4% | -11.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $959.8M | $846.1M | $746.1M | $101.4M | $367K | 0.07% | 3.92% | 2.16% |
| Q1 2026 | $995.9M | $879.3M | $776.1M | $102.7M | $1.7M | 0.67% | 3.80% | 3.53% |
| Q4 2025 | $1.00B | $891.1M | $831.8M | $101.2M | $6.8M | 0.66% | 3.56% | 2.72% |
| Q3 2025 | $1.01B | $888.8M | $838.4M | $99.7M | $5.7M | 0.73% | 3.50% | 2.78% |
| Q2 2025 | $1.03B | $922.6M | $855.1M | $98.1M | $4.9M | 0.93% | 3.46% | 1.33% |
| Q1 2025 | $1.06B | $957.1M | $877.4M | $95.3M | $2.5M | 0.94% | 3.19% | 2.06% |
| Q4 2024 | $1.07B | $962.6M | $905.1M | $91.7M | $-4.2M | -0.38% | 2.84% | 3.02% |
| Q3 2024 | $1.12B | $1.00B | $917.4M | $100.7M | $2.9M | 0.36% | 2.78% | 3.75% |
Loan mix (Q2 2026): real estate $699.6M · commercial $52.3M · consumer $4.6M · securities $62.5M
| Ratio | Summit State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 1.28% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 12.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 61.2% | 59th |
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 | Summit State 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 | Summit State 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 | Summit State 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 | Summit State 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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