| Metric | Tensas State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.5M | $158.5M | $119.1M | $21.9M | $1.2M | 1.34% | 3.82% | 2.44% |
| Q1 2026 | $184.5M | $161.3M | $110.8M | $21.7M | $620K | 1.34% | 3.72% | 1.41% |
| Q4 2025 | $185.3M | $160.8M | $109.8M | $21.9M | $2.0M | 1.07% | 3.65% | 0.99% |
| Q3 2025 | $185.2M | $160.7M | $113.4M | $21.5M | $1.4M | 1.05% | 3.58% | 1.53% |
| Q2 2025 | $183.5M | $154.7M | $115.9M | $20.3M | $976K | 1.07% | 3.57% | 1.40% |
| Q1 2025 | $179.8M | $156.7M | $109.7M | $20.4M | $477K | 1.05% | 3.48% | 1.82% |
| Q4 2024 | $182.5M | $157.3M | $106.4M | $19.0M | $2.4M | 1.37% | 3.25% | 1.35% |
| Q3 2024 | $183.4M | $157.1M | $107.7M | $20.7M | $1.9M | 1.39% | 3.19% | 1.32% |
Loan mix (Q2 2026): real estate $72.0M · commercial $17.8M · consumer $2.2M · securities $52.5M
| Ratio | Tensas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 62.9% | 49th |
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 | Tensas 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 | Tensas 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 | Tensas 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 | Tensas 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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