| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.3 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.5M | $89.8M | $79.5M | $12.7M | $412K | 0.78% | 4.61% | 1.77% |
| Q1 2026 | $106.0M | $88.0M | $78.9M | $12.5M | $184K | 0.70% | 4.51% | 1.98% |
| Q4 2025 | $105.0M | $86.7M | $77.9M | $12.4M | $709K | 0.68% | 4.45% | 1.78% |
| Q3 2025 | $104.3M | $85.5M | $77.3M | $12.2M | $549K | 0.70% | 4.41% | 1.84% |
| Q2 2025 | $103.0M | $84.0M | $75.5M | $11.9M | $382K | 0.73% | 4.46% | 1.70% |
| Q1 2025 | $102.7M | $84.3M | $74.4M | $11.6M | $127K | 0.48% | 4.07% | 2.00% |
| Q4 2024 | $106.9M | $89.7M | $73.1M | $11.4M | $407K | 0.41% | 3.97% | 1.97% |
| Q3 2024 | $99.0M | $79.7M | $71.9M | $11.4M | $209K | 0.29% | 3.91% | 2.16% |
Loan mix (Q2 2026): real estate $72.4M · commercial $3.8M · consumer $2.7M · securities $17.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Sherwood State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 62.9% | 84th |
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 Sherwood 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 Sherwood 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 Sherwood 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 Sherwood 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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