| Metric | Sundance State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.4% | -4.6 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.6 pts |
| Loan growth (YoY) | +13.7% | +5.6% | +8.1 pts |
| ROA | 1.68% | 1.24% | +0.4 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.9M | $255.2M | $187.6M | $30.8M | $2.4M | 1.68% | 4.15% | 0.37% |
| Q1 2026 | $283.6M | $248.5M | $174.7M | $30.0M | $1.2M | 1.68% | 4.01% | 0.47% |
| Q4 2025 | $297.6M | $260.0M | $159.2M | $28.8M | $3.3M | 1.17% | 3.70% | 0.54% |
| Q3 2025 | $273.5M | $234.0M | $163.0M | $30.4M | $3.2M | 1.53% | 3.65% | 0.60% |
| Q2 2025 | $291.7M | $254.3M | $165.0M | $28.5M | $2.2M | 1.54% | 3.53% | 0.55% |
| Q1 2025 | $267.4M | $231.4M | $157.4M | $27.0M | $1.0M | 1.46% | 3.41% | 0.72% |
| Q4 2024 | $292.5M | $254.6M | $146.0M | $25.3M | $3.2M | 1.21% | 3.38% | 0.48% |
| Q3 2024 | $251.7M | $211.3M | $153.6M | $27.4M | $2.4M | 1.28% | 3.43% | 0.54% |
Loan mix (Q2 2026): real estate $120.5M · commercial $27.7M · consumer $9.0M · securities $70.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sundance State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 62.9% | 11th |
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 | Sundance 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 | Sundance 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 | Sundance 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 | Sundance 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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