| Metric | The Dolores State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.0 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $456.3M | $357.3M | $329.9M | $68.3M | $4.2M | 1.86% | 4.65% | 0.75% |
| Q1 2026 | $451.3M | $354.6M | $319.0M | $65.7M | $2.0M | 1.77% | 4.55% | 0.88% |
| Q4 2025 | $447.7M | $353.2M | $316.3M | $64.1M | $8.1M | 1.89% | 4.50% | 0.94% |
| Q3 2025 | $444.3M | $346.0M | $312.7M | $62.7M | $5.7M | 1.78% | 4.47% | 0.90% |
| Q2 2025 | $420.6M | $345.6M | $295.7M | $59.7M | $3.6M | 1.71% | 4.44% | 0.69% |
| Q1 2025 | $425.2M | $352.2M | $284.2M | $57.1M | $1.7M | 1.64% | 4.29% | 0.64% |
| Q4 2024 | $417.8M | $348.2M | $282.9M | $54.5M | $7.0M | 1.75% | 4.26% | 0.80% |
| Q3 2024 | $414.9M | $344.4M | $281.5M | $55.4M | $4.6M | 1.53% | 4.21% | 0.53% |
Loan mix (Q2 2026): real estate $295.0M · commercial $14.8M · consumer $21.9M · securities $73.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Dolores State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.5% | 62.9% | 8th |
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 Dolores 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 Dolores 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 Dolores 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 Dolores 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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