| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.3 pts |
| Loan growth (YoY) | -3.3% | +5.6% | -8.8 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 10.8% | 11.9% | -1.0 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.6M | $120.2M | $108.0M | $14.0M | $748K | 1.07% | 4.46% | 1.94% |
| Q1 2026 | $144.9M | $130.3M | $109.2M | $13.8M | $299K | 0.84% | 4.33% | 1.69% |
| Q4 2025 | $138.8M | $124.3M | $110.2M | $13.7M | $1.2M | 0.88% | 4.78% | 0.95% |
| Q3 2025 | $134.1M | $119.5M | $108.9M | $13.8M | $820K | 0.81% | 4.26% | 1.76% |
| Q2 2025 | $135.2M | $119.4M | $111.7M | $13.6M | $389K | 0.58% | 3.99% | 2.03% |
| Q1 2025 | $130.7M | $116.5M | $108.9M | $13.6M | $101K | 0.30% | 3.95% | 1.93% |
| Q4 2024 | $137.3M | $120.5M | $104.1M | $13.5M | $1.1M | 0.82% | 4.17% | 2.20% |
| Q3 2024 | $132.8M | $114.9M | $106.2M | $13.6M | $1.0M | 1.00% | 4.24% | 2.48% |
Loan mix (Q2 2026): real estate $80.8M · commercial $5.3M · consumer $3.7M · securities $3.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The State Bank of Toledo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 62.9% | 81th |
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 Toledo | 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 Toledo | 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 Toledo | 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 Toledo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.