| Metric | The Baxter State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.0% | +1.8 pts |
| Deposit growth (YoY) | +16.3% | +2.5% | +13.8 pts |
| Loan growth (YoY) | -6.9% | +2.6% | -9.5 pts |
| ROA | 1.24% | 0.99% | +0.2 pts |
| ROE | 6.2% | 8.1% | -1.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.2M | $19.2M | $12.1M | $5.0M | $153K | 1.24% | 5.94% | 0.73% |
| Q1 2026 | $25.0M | $19.2M | $12.7M | $4.9M | $60K | 0.98% | 5.79% | 0.45% |
| Q4 2025 | $24.0M | $18.1M | $12.8M | $4.8M | $-272K | -1.11% | 5.59% | 1.22% |
| Q3 2025 | $24.9M | $18.0M | $13.0M | $5.3M | $113K | 0.61% | 5.46% | 1.89% |
| Q2 2025 | $24.0M | $16.5M | $13.0M | $5.9M | $84K | 0.69% | 5.46% | 1.30% |
| Q1 2025 | $24.4M | $17.0M | $12.8M | $5.8M | $34K | 0.55% | 5.31% | 1.83% |
| Q4 2024 | $25.2M | $17.3M | $13.1M | $5.7M | $109K | 0.43% | 4.93% | 1.30% |
| Q3 2024 | $26.2M | $18.2M | $13.1M | $5.8M | $65K | 0.35% | 4.74% | 1.71% |
Loan mix (Q2 2026): real estate $9.5M · commercial $1.1M · consumer $1.8M · securities $5.3M
| Ratio | The Baxter State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.99% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 8.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 70.8% | 65th |
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 Baxter 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 Baxter State 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 | The Baxter 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 Baxter 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 Baxter State 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $19.2M branch deposits. Biggest market: Cherokee, KS, ranked 8th with 4.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cherokee, KS | 1 | $19.2M | 4.56% | 8th |
Kansas: 267th with 0.02% · Joplin metro: 27th, 0.38% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 1.9× the peer median on technology. 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).