| Metric | Talbot State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.0% | -4.6 pts |
| Deposit growth (YoY) | -1.7% | +2.5% | -4.2 pts |
| Loan growth (YoY) | +4.8% | +2.6% | +2.2 pts |
| ROA | -0.85% | 0.99% | -1.8 pts |
| ROE | -18.5% | 8.1% | -26.5 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.7M | $45.2M | $32.8M | $2.3M | $-222K | -0.85% | 3.69% | 1.50% |
| Q1 2026 | $51.4M | $45.0M | $30.7M | $2.3M | $-147K | -1.13% | 3.47% | 1.29% |
| Q4 2025 | $53.0M | $46.3M | $31.1M | $2.6M | $-679K | -1.31% | 3.46% | 1.22% |
| Q3 2025 | $51.4M | $44.7M | $31.5M | $2.6M | $-527K | -1.36% | 3.45% | 1.44% |
| Q2 2025 | $52.5M | $46.0M | $31.3M | $2.3M | $-381K | -1.47% | 3.32% | 1.39% |
| Q1 2025 | $52.3M | $45.6M | $31.4M | $2.6M | $-180K | -1.40% | 3.39% | 1.92% |
| Q4 2024 | $50.8M | $44.1M | $31.5M | $2.6M | $-686K | -1.24% | 3.28% | 1.39% |
| Q3 2024 | $54.0M | $46.5M | $31.6M | $3.4M | $-510K | -1.20% | 3.21% | 1.55% |
Loan mix (Q2 2026): real estate $31.4M · commercial $0 · consumer $203K · securities $13.1M
| Ratio | Talbot State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.85% | 0.99% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -18.5% | 8.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.7% | 70.8% | 93th |
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 | Talbot 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 | Talbot 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 | Talbot 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 | Talbot 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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