| Metric | The Bendena State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.3% | +4.4% | +16.9 pts |
| Deposit growth (YoY) | +22.6% | +4.0% | +18.7 pts |
| Loan growth (YoY) | +22.8% | +5.6% | +17.2 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 17.1% | 11.9% | +5.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $131.5M | $114.7M | $85.8M | $12.9M | $1.1M | 1.64% | 4.02% | 0.11% |
| Q1 2026 | $132.2M | $119.3M | $83.8M | $12.5M | $535K | 1.63% | 3.99% | 0.11% |
| Q4 2025 | $130.9M | $110.6M | $83.4M | $12.3M | $1.9M | 1.66% | 3.88% | 0.12% |
| Q3 2025 | $113.4M | $95.6M | $72.7M | $10.0M | $1.5M | 1.77% | 3.85% | 0.35% |
| Q2 2025 | $108.4M | $93.6M | $69.9M | $9.2M | $926K | 1.71% | 3.77% | 0.00% |
| Q1 2025 | $105.1M | $95.3M | $66.6M | $8.7M | $480K | 1.77% | 3.72% | 0.00% |
| Q4 2024 | $111.9M | $91.3M | $72.5M | $8.3M | $1.5M | 1.38% | 3.31% | 0.00% |
| Q3 2024 | $108.2M | $87.7M | $68.7M | $8.5M | $1.1M | 1.37% | 3.26% | 0.00% |
Loan mix (Q2 2026): real estate $48.7M · commercial $6.8M · consumer $2.9M · securities $37.1M
| Ratio | The Bendena State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.3% | 62.9% | 13th |
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 Bendena 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 Bendena 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 Bendena 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 Bendena 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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