| Metric | Superior Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +3.0% | +13.5 pts |
| Deposit growth (YoY) | +19.5% | +2.5% | +17.0 pts |
| Loan growth (YoY) | +9.8% | +2.6% | +7.2 pts |
| ROA | 0.85% | 0.99% | -0.1 pts |
| ROE | 4.9% | 8.1% | -3.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.8M | $81.4M | $81.5M | $16.8M | $406K | 0.85% | 3.96% | 0.97% |
| Q1 2026 | $93.9M | $76.9M | $80.7M | $16.6M | $227K | 0.97% | 4.02% | 0.94% |
| Q4 2025 | $93.8M | $77.1M | $79.3M | $16.4M | $568K | 0.64% | 3.91% | 1.17% |
| Q3 2025 | $90.9M | $74.3M | $74.6M | $16.2M | $360K | 0.55% | 3.89% | 1.02% |
| Q2 2025 | $84.7M | $68.2M | $74.2M | $16.1M | $261K | 0.61% | 3.87% | 0.94% |
| Q1 2025 | $85.8M | $67.5M | $74.3M | $15.9M | $103K | 0.48% | 3.64% | 1.11% |
| Q4 2024 | $87.3M | $69.2M | $73.4M | $15.8M | $645K | 0.74% | 4.21% | 1.24% |
| Q3 2024 | $86.0M | $69.9M | $71.4M | $15.7M | $459K | 0.71% | 4.21% | 1.05% |
Loan mix (Q2 2026): real estate $75.4M · commercial $5.3M · consumer $2.6M · securities $0
| Ratio | Superior Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.99% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 8.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 70.8% | 52th |
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 Savings 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 Savings 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 Savings 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 Savings 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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