| Metric | The City State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.0% | +3.3 pts |
| Deposit growth (YoY) | +6.2% | +2.5% | +3.7 pts |
| Loan growth (YoY) | +13.7% | +2.6% | +11.1 pts |
| ROA | 1.61% | 0.99% | +0.6 pts |
| ROE | 19.6% | 8.1% | +11.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.7M | $52.7M | $38.2M | $4.7M | $453K | 1.61% | 4.16% | 0.00% |
| Q1 2026 | $57.1M | $52.4M | $36.9M | $4.6M | $203K | 1.47% | 4.02% | 0.00% |
| Q4 2025 | $53.6M | $48.3M | $35.9M | $4.6M | $791K | 1.47% | 3.95% | 0.00% |
| Q3 2025 | $54.8M | $50.0M | $35.6M | $4.5M | $574K | 1.42% | 3.89% | 0.00% |
| Q2 2025 | $54.2M | $49.7M | $33.6M | $4.3M | $333K | 1.24% | 3.85% | 0.15% |
| Q1 2025 | $54.0M | $49.7M | $33.9M | $4.1M | $150K | 1.12% | 3.79% | 0.15% |
| Q4 2024 | $52.7M | $47.6M | $34.5M | $3.9M | $574K | 1.09% | 3.71% | 0.15% |
| Q3 2024 | $52.2M | $46.4M | $33.0M | $4.0M | $416K | 1.06% | 3.68% | 0.15% |
Loan mix (Q2 2026): real estate $28.5M · commercial $2.4M · consumer $1.6M · securities $8.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The City State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.99% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 8.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 70.8% | 27th |
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 City 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 City 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 City 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 City 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 City 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.
2 branches in 1 county across 1 state (+0 vs 2024) · $49.7M branch deposits. Biggest market: Bourbon, KS, ranked 4th with 14.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bourbon, KS | 2 | $49.7M | 14.47% | 4th |
Kansas: 218th with 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2