| Metric | Superior National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.4 pts |
| Loan growth (YoY) | +0.2% | +5.9% | -5.7 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 10.3% | 12.2% | -1.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.04B | $881.5M | $671.1M | $120.4M | $6.1M | 1.17% | 3.81% | 0.51% |
| Q1 2026 | $1.05B | $886.6M | $651.7M | $116.8M | $2.8M | 1.08% | 3.76% | 0.40% |
| Q4 2025 | $1.03B | $867.1M | $650.8M | $117.3M | $10.7M | 1.05% | 3.71% | 0.41% |
| Q3 2025 | $1.04B | $876.6M | $664.5M | $113.5M | $7.3M | 0.97% | 3.67% | 0.69% |
| Q2 2025 | $1.00B | $842.0M | $669.6M | $107.9M | $3.8M | 0.76% | 3.58% | 0.73% |
| Q1 2025 | $997.1M | $842.9M | $645.7M | $103.9M | $1.7M | 0.66% | 3.45% | 0.80% |
| Q4 2024 | $995.8M | $844.0M | $656.1M | $100.9M | $8.1M | 0.79% | 3.33% | 0.54% |
| Q3 2024 | $1.05B | $860.1M | $663.5M | $105.2M | $5.8M | 0.75% | 3.24% | 0.40% |
Loan mix (Q2 2026): real estate $544.9M · commercial $77.3M · consumer $45.1M · securities $248.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Superior National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 59.0% | 73th |
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 | Superior National 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 | Superior National 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 | Superior National 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 | Superior National 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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