| Metric | The State Bank of Bern | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.1 pts |
| ROA | 1.56% | 1.24% | +0.3 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.2M | $106.7M | $68.5M | $21.1M | $983K | 1.56% | 3.58% | 0.00% |
| Q1 2026 | $126.4M | $105.5M | $68.6M | $20.4M | $500K | 1.61% | 3.57% | 0.00% |
| Q4 2025 | $122.7M | $101.5M | $70.8M | $20.7M | $1.8M | 1.52% | 3.58% | 0.00% |
| Q3 2025 | $119.0M | $98.3M | $64.6M | $20.1M | $1.4M | 1.64% | 3.64% | 0.00% |
| Q2 2025 | $118.6M | $99.0M | $63.1M | $19.1M | $926K | 1.59% | 3.58% | 0.00% |
| Q1 2025 | $116.3M | $97.4M | $60.7M | $18.4M | $470K | 1.63% | 3.53% | 0.00% |
| Q4 2024 | $114.0M | $95.6M | $62.9M | $17.9M | $1.4M | 1.19% | 3.58% | 0.00% |
| Q3 2024 | $114.6M | $95.1M | $58.4M | $18.7M | $1.2M | 1.46% | 3.57% | 0.00% |
Loan mix (Q2 2026): real estate $23.7M · commercial $3.7M · consumer $1.3M · securities $45.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The State Bank of Bern | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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 State Bank of Bern | 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 State Bank of Bern | 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 State Bank of Bern | 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 State Bank of Bern | 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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