No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $453.6M | $369.3M | $300.6M | $74.8M | $4.6M | 2.00% | 4.32% | 0.73% |
| Q1 2026 | $468.3M | $383.9M | $301.2M | $73.5M | $2.0M | 1.71% | 4.32% | 0.54% |
| Q4 2025 | $468.7M | $383.5M | $305.5M | $71.9M | $8.4M | 1.83% | 4.02% | 0.52% |
| Q3 2025 | $454.1M | $369.2M | $293.3M | $71.6M | $7.6M | 2.22% | 3.98% | 0.22% |
| Q2 2025 | $456.9M | $375.7M | $293.7M | $68.0M | $4.8M | 2.08% | 3.90% | 0.46% |
| Q1 2025 | $461.0M | $382.2M | $293.9M | $65.6M | $2.4M | 2.10% | 3.83% | 0.23% |
| Q4 2024 | $457.8M | $383.0M | $291.4M | $61.0M | $7.6M | 1.71% | 3.60% | 0.27% |
| Q3 2024 | $442.9M | $365.9M | $280.3M | $61.8M | $5.1M | 1.55% | 3.57% | 0.30% |
Loan mix (Q2 2026): real estate $170.1M · commercial $47.6M · consumer $11.5M · securities $117.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Denison State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 62.9% | 14th |
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 Denison 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 Denison 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 Denison 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 Denison 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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