| Metric | The Hamler State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 9.4% | 11.9% | -2.5 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.3M | $107.4M | $86.0M | $16.9M | $785K | 1.27% | 2.93% | 0.96% |
| Q1 2026 | $125.6M | $108.2M | $82.7M | $16.4M | $322K | 1.04% | 2.83% | 0.96% |
| Q4 2025 | $121.2M | $103.4M | $82.9M | $16.9M | $1.1M | 0.92% | 2.74% | 1.11% |
| Q3 2025 | $119.9M | $102.6M | $80.8M | $16.5M | $814K | 0.93% | 2.66% | 1.39% |
| Q2 2025 | $118.0M | $101.4M | $80.9M | $15.9M | $309K | 0.53% | 2.58% | 1.89% |
| Q1 2025 | $116.6M | $100.1M | $77.3M | $15.5M | $159K | 0.55% | 2.48% | 1.75% |
| Q4 2024 | $113.7M | $97.0M | $79.4M | $15.9M | $1.2M | 1.06% | 2.41% | 1.82% |
| Q3 2024 | $112.5M | $95.8M | $78.1M | $15.9M | $809K | 0.99% | 2.36% | 1.85% |
Loan mix (Q2 2026): real estate $76.6M · commercial $5.0M · consumer $1.6M · securities $21.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Hamler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 62.9% | 25th |
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 Hamler 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 Hamler 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 Hamler 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 Hamler 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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