| Metric | The Baldwin State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.8 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.5M | $102.6M | $47.4M | $11.1M | $538K | 0.98% | 3.04% | 0.01% |
| Q1 2026 | $107.7M | $95.1M | $46.7M | $10.8M | $202K | 0.76% | 3.02% | 0.02% |
| Q4 2025 | $105.8M | $92.6M | $47.9M | $11.4M | $992K | 0.94% | 3.05% | 0.04% |
| Q3 2025 | $107.9M | $94.9M | $48.5M | $11.1M | $798K | 1.00% | 3.02% | 0.04% |
| Q2 2025 | $109.3M | $96.9M | $47.9M | $10.6M | $470K | 0.89% | 2.93% | 0.04% |
| Q1 2025 | $105.9M | $94.0M | $47.8M | $10.1M | $238K | 0.92% | 2.96% | 0.04% |
| Q4 2024 | $101.1M | $86.5M | $46.5M | $9.9M | $695K | 0.68% | 2.65% | 0.12% |
| Q3 2024 | $102.9M | $90.7M | $44.9M | $10.3M | $536K | 0.70% | 2.57% | 0.12% |
Loan mix (Q2 2026): real estate $39.0M · commercial $5.2M · consumer $1.5M · securities $50.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Baldwin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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 | The Baldwin 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 | The Baldwin 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 | The Baldwin 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 | The Baldwin 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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