| Metric | Surety Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.7 pts |
| Loan growth (YoY) | +20.1% | +5.6% | +14.5 pts |
| ROA | 2.06% | 1.24% | +0.8 pts |
| ROE | 19.0% | 11.9% | +7.1 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $213.7M | $189.6M | $101.3M | $23.8M | $2.2M | 2.06% | 3.60% | 0.11% |
| Q1 2026 | $222.9M | $200.4M | $97.7M | $22.1M | $871K | 1.68% | 3.50% | 0.11% |
| Q4 2025 | $192.6M | $165.8M | $88.5M | $22.4M | $4.9M | 2.43% | 3.52% | 0.14% |
| Q3 2025 | $204.2M | $182.5M | $80.2M | $21.4M | $3.7M | 2.38% | 3.41% | 0.14% |
| Q2 2025 | $212.5M | $193.0M | $84.4M | $19.3M | $2.3M | 2.19% | 3.44% | 0.14% |
| Q1 2025 | $213.1M | $193.4M | $68.3M | $19.5M | $1.0M | 1.99% | 3.33% | 0.15% |
| Q4 2024 | $192.5M | $172.3M | $71.1M | $19.5M | $5.3M | 2.60% | 3.69% | 0.17% |
| Q3 2024 | $205.8M | $184.4M | $73.2M | $20.2M | $4.0M | 2.62% | 3.70% | 0.17% |
Loan mix (Q2 2026): real estate $90.7M · commercial $12.3M · consumer $203K · securities $32.0M
| Ratio | Surety Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 46th |
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 | Surety 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 | Surety Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Surety 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 | Surety 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 | Surety Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend down 21% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
2 branches in 1 county across 1 state (-1 vs 2025) · $189.6M branch deposits. Biggest market: Volusia, FL, ranked 19th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Volusia, FL | 2 | $189.6M | 1.21% | 19th |
Florida: 193rd with 0.02% · Deltona-Daytona Beach-Ormond Beach metro: 20th, 1.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2