| Metric | The Bank of Steinauer | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.4% | +3.0% | -19.4 pts |
| Deposit growth (YoY) | -21.0% | +2.5% | -23.5 pts |
| Loan growth (YoY) | +13.0% | +2.6% | +10.4 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 12.2% | 8.1% | +4.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.0M | $16.5M | $13.0M | $1.9M | $114K | 1.08% | 5.00% | 0.00% |
| Q1 2026 | $25.4M | $23.5M | $11.4M | $1.9M | $52K | 0.94% | 4.60% | 0.00% |
| Q4 2025 | $18.9M | $17.0M | $12.2M | $1.8M | $65K | 0.31% | 4.71% | 0.00% |
| Q3 2025 | $22.0M | $19.8M | $11.4M | $1.9M | $182K | 1.13% | 4.50% | 0.00% |
| Q2 2025 | $22.8M | $20.9M | $11.5M | $1.9M | $137K | 1.29% | 4.44% | 0.00% |
| Q1 2025 | $23.4M | $21.6M | $11.2M | $1.8M | $71K | 1.39% | 4.24% | 0.00% |
| Q4 2024 | $17.4M | $15.6M | $11.7M | $1.7M | $55K | 0.32% | 3.87% | 0.00% |
| Q3 2024 | $18.5M | $16.7M | $10.9M | $1.8M | $88K | 0.68% | 3.67% | 0.00% |
Loan mix (Q2 2026): real estate $8.4M · commercial $673K · consumer $1.7M · securities $500K
| Ratio | The Bank of Steinauer | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 8.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 70.8% | 63th |
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 Bank of Steinauer | 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 Bank of Steinauer | 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 Bank of Steinauer | 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 Bank of Steinauer | 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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