| Metric | The St. Henry Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +4.4% | -13.7 pts |
| Deposit growth (YoY) | -10.3% | +4.0% | -14.3 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 2.57% | 1.24% | +1.3 pts |
| ROE | 25.3% | 11.9% | +13.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $435.6M | $384.5M | $244.6M | $47.5M | $6.1M | 2.57% | 3.90% | 0.06% |
| Q1 2026 | $447.9M | $394.7M | $247.3M | $48.7M | $3.3M | 2.65% | 3.81% | 0.09% |
| Q4 2025 | $543.7M | $491.3M | $252.7M | $48.7M | $11.1M | 2.25% | 3.65% | 0.08% |
| Q3 2025 | $499.5M | $451.5M | $245.5M | $45.3M | $8.3M | 2.31% | 3.64% | 0.53% |
| Q2 2025 | $480.4M | $428.7M | $240.7M | $41.6M | $5.3M | 2.23% | 3.56% | 0.54% |
| Q1 2025 | $472.0M | $425.6M | $246.2M | $43.5M | $2.7M | 2.25% | 3.44% | 0.49% |
| Q4 2024 | $474.3M | $429.3M | $241.0M | $41.5M | $9.1M | 2.15% | 3.49% | 0.50% |
| Q3 2024 | $421.7M | $376.5M | $232.4M | $42.7M | $6.8M | 2.22% | 3.51% | 0.56% |
Loan mix (Q2 2026): real estate $216.5M · commercial $23.8M · consumer $1.8M · securities $129.2M
| Ratio | The St. Henry Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.57% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 25.3% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.7% | 62.9% | 1th |
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 St. Henry 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 St. Henry 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 St. Henry 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 St. Henry 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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