| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.5 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $340.2M | $312.0M | $176.7M | $25.6M | $1.7M | 1.01% | 3.57% | 0.14% |
| Q1 2026 | $345.7M | $319.4M | $169.5M | $23.7M | $870K | 1.02% | 3.51% | 0.15% |
| Q4 2025 | $337.5M | $311.3M | $166.4M | $23.5M | $3.3M | 0.99% | 3.55% | 0.21% |
| Q3 2025 | $330.7M | $304.0M | $169.7M | $23.7M | $2.6M | 1.04% | 3.56% | 0.32% |
| Q2 2025 | $325.1M | $301.5M | $168.2M | $20.8M | $1.7M | 1.02% | 3.58% | 0.19% |
| Q1 2025 | $331.5M | $308.4M | $160.0M | $20.3M | $833K | 1.02% | 3.49% | 0.10% |
| Q4 2024 | $323.4M | $301.4M | $159.9M | $18.6M | $2.9M | 0.91% | 3.46% | 0.10% |
| Q3 2024 | $317.1M | $292.7M | $161.4M | $20.9M | $2.2M | 0.93% | 3.44% | 0.04% |
Loan mix (Q2 2026): real estate $102.3M · commercial $53.5M · consumer $17.0M · securities $122.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Cleveland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 62.9% | 59th |
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 Cleveland 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 Cleveland 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 Cleveland 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 Cleveland 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.