| Metric | The Bippus State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.4% | +8.6 pts |
| Deposit growth (YoY) | +17.6% | +4.0% | +13.7 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | 2.42% | 1.24% | +1.2 pts |
| ROE | 21.6% | 11.9% | +9.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $458.9M | $391.9M | $352.9M | $49.1M | $5.3M | 2.42% | 4.55% | 0.67% |
| Q1 2026 | $432.1M | $365.2M | $339.1M | $50.1M | $2.3M | 2.18% | 4.56% | 0.66% |
| Q4 2025 | $428.1M | $341.0M | $348.4M | $49.1M | $9.3M | 2.31% | 4.73% | 0.67% |
| Q3 2025 | $413.3M | $342.6M | $337.3M | $47.6M | $7.3M | 2.45% | 4.73% | 0.94% |
| Q2 2025 | $406.3M | $333.1M | $326.6M | $45.3M | $4.9M | 2.50% | 4.68% | 0.78% |
| Q1 2025 | $392.4M | $326.6M | $315.6M | $43.1M | $2.3M | 2.34% | 4.65% | 0.56% |
| Q4 2024 | $377.2M | $308.4M | $301.6M | $42.3M | $9.0M | 2.49% | 4.55% | 0.60% |
| Q3 2024 | $365.5M | $320.4M | $291.4M | $42.2M | $6.4M | 2.41% | 4.49% | 0.37% |
Loan mix (Q2 2026): real estate $293.0M · commercial $40.0M · consumer $3.6M · securities $51.2M
| Ratio | The Bippus State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.6% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 62.9% | 12th |
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 Bippus 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 Bippus 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 Bippus 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 Bippus 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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