| Metric | The Iuka State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +4.4% | -10.9 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.5 pts |
| Loan growth (YoY) | -6.6% | +5.6% | -12.2 pts |
| ROA | 0.08% | 1.24% | -1.2 pts |
| ROE | 0.8% | 11.9% | -11.1 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.0M | $112.6M | $105.9M | $12.8M | $52K | 0.08% | 4.75% | 6.90% |
| Q1 2026 | $136.2M | $115.8M | $112.5M | $13.0M | $294K | 0.84% | 4.47% | 6.69% |
| Q4 2025 | $142.4M | $102.4M | $114.6M | $12.7M | $-467K | -0.33% | 4.80% | 4.55% |
| Q3 2025 | $142.4M | $101.6M | $118.7M | $14.0M | $809K | 0.76% | 4.98% | 2.64% |
| Q2 2025 | $142.4M | $103.9M | $113.4M | $13.7M | $808K | 1.15% | 4.94% | 4.84% |
| Q1 2025 | $137.5M | $97.0M | $112.0M | $13.2M | $295K | 0.84% | 4.93% | 4.82% |
| Q4 2024 | $142.0M | $97.6M | $113.1M | $13.3M | $1.0M | 0.72% | 4.80% | 4.05% |
| Q3 2024 | $144.6M | $103.9M | $117.1M | $13.3M | $597K | 0.56% | 4.74% | 1.62% |
Loan mix (Q2 2026): real estate $41.7M · commercial $46.4M · consumer $11.5M · securities $11.8M
| Ratio | The Iuka State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 62.9% | 77th |
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 Iuka 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 Iuka 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 Iuka 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 Iuka 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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