| Metric | The Shelby State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.6 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $397.0M | $339.5M | $216.0M | $32.1M | $1.8M | 0.90% | 3.77% | 0.07% |
| Q1 2026 | $391.5M | $346.4M | $215.6M | $31.5M | $780K | 0.80% | 3.72% | 0.01% |
| Q4 2025 | $385.8M | $337.3M | $213.8M | $31.6M | $3.0M | 0.82% | 3.61% | 0.07% |
| Q3 2025 | $385.8M | $345.0M | $212.6M | $30.3M | $1.9M | 0.70% | 3.57% | 0.10% |
| Q2 2025 | $364.4M | $327.0M | $210.5M | $28.3M | $1.2M | 0.67% | 3.49% | 0.14% |
| Q1 2025 | $354.0M | $316.3M | $202.6M | $27.3M | $566K | 0.64% | 3.45% | 0.11% |
| Q4 2024 | $355.2M | $304.4M | $198.7M | $25.3M | $1.8M | 0.49% | 3.18% | 0.06% |
| Q3 2024 | $362.0M | $315.0M | $202.1M | $26.8M | $1.3M | 0.48% | 3.13% | 0.05% |
Loan mix (Q2 2026): real estate $194.2M · commercial $13.1M · consumer $3.2M · securities $134.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Shelby State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 62.9% | 75th |
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 Shelby 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 Shelby 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 Shelby 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 Shelby 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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