| Metric | The Hopeton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.0% | -1.9 pts |
| Deposit growth (YoY) | +1.2% | +2.5% | -1.3 pts |
| Loan growth (YoY) | +54.7% | +2.6% | +52.1 pts |
| ROA | -0.79% | 0.99% | -1.8 pts |
| ROE | -4.1% | 8.1% | -12.2 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.8M | $24.9M | $20.2M | $5.9M | $-123K | -0.79% | 4.34% | 0.00% |
| Q1 2026 | $31.2M | $25.2M | $20.7M | $6.0M | $-70K | -0.89% | 3.89% | 0.00% |
| Q4 2025 | $31.6M | $25.5M | $13.6M | $6.1M | $88K | 0.30% | 2.20% | 0.00% |
| Q3 2025 | $31.5M | $25.4M | $12.5M | $6.0M | $-126K | -0.58% | 1.69% | 0.00% |
| Q2 2025 | $30.5M | $24.6M | $13.1M | $5.9M | $-118K | -0.85% | 0.23% | 1.89% |
| Q1 2025 | $26.5M | $24.4M | $13.8M | $2.0M | $-28K | -0.42% | 3.25% | 2.45% |
| Q4 2024 | $26.4M | $24.1M | $13.5M | $2.2M | $-23K | -0.09% | 3.64% | 3.56% |
| Q3 2024 | $27.6M | $25.2M | $13.8M | $2.3M | $-23K | -0.12% | 3.69% | 2.35% |
Loan mix (Q2 2026): real estate $7.4M · commercial $6.5M · consumer $981K · securities $3.2M
| Ratio | The Hopeton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.79% | 0.99% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 8.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.8% | 70.8% | 93rd |
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 Hopeton 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 Hopeton 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 Hopeton 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 Hopeton 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 Hopeton 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.
Technology spend down 29% in 2024. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).