| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +3.0% | +7.8 pts |
| Deposit growth (YoY) | +11.2% | +2.5% | +8.8 pts |
| Loan growth (YoY) | -9.8% | +2.6% | -12.4 pts |
| ROA | 1.92% | 0.99% | +0.9 pts |
| ROE | 14.5% | 8.1% | +6.5 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.5M | $61.0M | $32.3M | $9.2M | $666K | 1.92% | 5.49% | 0.28% |
| Q1 2026 | $70.1M | $61.0M | $36.2M | $8.9M | $339K | 1.97% | 5.58% | 0.29% |
| Q4 2025 | $67.8M | $58.3M | $37.8M | $9.4M | $1.4M | 2.10% | 5.88% | 0.29% |
| Q3 2025 | $65.2M | $55.9M | $35.8M | $9.0M | $1.0M | 2.13% | 5.86% | 0.30% |
| Q2 2025 | $63.6M | $54.9M | $35.8M | $8.5M | $661K | 2.08% | 5.90% | 0.01% |
| Q1 2025 | $62.1M | $53.9M | $36.7M | $8.1M | $303K | 1.90% | 5.76% | 0.00% |
| Q4 2024 | $65.4M | $56.9M | $37.8M | $8.4M | $1.2M | 2.06% | 6.09% | 0.00% |
| Q3 2024 | $58.3M | $49.6M | $38.8M | $8.4M | $932K | 2.16% | 6.17% | 0.13% |
Loan mix (Q2 2026): real estate $27.1M · commercial $4.0M · consumer $1.6M · securities $13.4M
| Ratio | The Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.99% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 8.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 70.8% | 30th |
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 Security 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 Security 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 Security 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 Security 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.