| Metric | THE SEILING STATE BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +12.0% | +5.6% | +6.4 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 17.0% | 11.9% | +5.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.0M | $175.2M | $137.2M | $19.1M | $1.6M | 1.60% | 4.11% | 0.00% |
| Q1 2026 | $200.7M | $181.5M | $136.9M | $18.6M | $1.1M | 2.16% | 4.15% | 0.20% |
| Q4 2025 | $196.3M | $178.0M | $141.7M | $17.7M | $-2.3M | -1.20% | 3.68% | 0.41% |
| Q3 2025 | $211.1M | $194.2M | $133.7M | $16.5M | $1.5M | 1.03% | 3.79% | 0.09% |
| Q2 2025 | $189.8M | $174.2M | $122.5M | $14.9M | $986K | 1.03% | 3.83% | 0.11% |
| Q1 2025 | $191.3M | $175.9M | $125.4M | $14.8M | $521K | 1.09% | 3.77% | 0.30% |
| Q4 2024 | $191.9M | $175.3M | $128.7M | $14.0M | $1.3M | 0.70% | 3.39% | 0.38% |
| Q3 2024 | $184.5M | $169.0M | $112.7M | $14.9M | $1.1M | 0.78% | 3.38% | 0.16% |
Loan mix (Q2 2026): real estate $68.9M · commercial $37.0M · consumer $5.2M · securities $31.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | THE SEILING STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 62.9% | 68th |
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 SEILING 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 SEILING 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 SEILING 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 SEILING 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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