| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.4% | -7.9 pts |
| Deposit growth (YoY) | -1.9% | +4.0% | -5.8 pts |
| Loan growth (YoY) | +10.2% | +5.6% | +4.6 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 6.4% | 11.9% | -5.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.2M | $102.9M | $79.3M | $12.9M | $412K | 0.68% | 3.44% | 0.56% |
| Q1 2026 | $124.5M | $108.3M | $80.4M | $12.8M | $235K | 0.76% | 3.31% | 0.52% |
| Q4 2025 | $122.2M | $106.0M | $77.4M | $12.7M | $759K | 0.64% | 3.40% | 0.53% |
| Q3 2025 | $119.9M | $104.1M | $73.7M | $12.5M | $518K | 0.59% | 3.35% | 0.52% |
| Q2 2025 | $120.4M | $104.8M | $72.0M | $12.1M | $291K | 0.50% | 3.31% | 0.52% |
| Q1 2025 | $117.0M | $101.9M | $70.3M | $11.8M | $94K | 0.33% | 3.21% | 0.54% |
| Q4 2024 | $110.9M | $96.2M | $69.5M | $11.4M | $1.1M | 1.02% | 3.70% | 0.56% |
| Q3 2024 | $112.1M | $96.8M | $67.7M | $12.0M | $931K | 1.14% | 3.71% | 0.97% |
Loan mix (Q2 2026): real estate $71.4M · commercial $5.8M · consumer $3.7M · securities $19.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The State Bank of Geneva | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 62.9% | 90th |
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 Geneva | 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 Geneva | 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 Geneva | 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 Geneva | 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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