| Metric | The State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | +1.4% | +2.5% | -1.1 pts |
| Loan growth (YoY) | -5.7% | +2.6% | -8.3 pts |
| ROA | 1.18% | 0.99% | +0.2 pts |
| ROE | 14.1% | 8.1% | +6.0 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.4M | $80.3M | $41.8M | $7.7M | $526K | 1.18% | 2.85% | 0.51% |
| Q1 2026 | $91.4M | $83.7M | $41.1M | $7.3M | $244K | 1.08% | 2.79% | 0.49% |
| Q4 2025 | $88.8M | $81.1M | $42.8M | $7.4M | $502K | 0.58% | 2.70% | 0.51% |
| Q3 2025 | $89.2M | $81.6M | $41.4M | $7.1M | $479K | 0.75% | 2.64% | 0.50% |
| Q2 2025 | $86.0M | $79.2M | $44.3M | $6.3M | $312K | 0.74% | 2.58% | 0.00% |
| Q1 2025 | $85.2M | $78.6M | $42.4M | $6.1M | $102K | 0.49% | 2.44% | 0.00% |
| Q4 2024 | $82.4M | $76.4M | $42.8M | $5.6M | $828K | 0.99% | 2.66% | 0.00% |
| Q3 2024 | $82.1M | $75.2M | $43.6M | $6.4M | $497K | 0.79% | 2.74% | 0.00% |
Loan mix (Q2 2026): real estate $34.2M · commercial $5.0M · consumer $2.2M · securities $34.3M
| Ratio | The State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.99% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 8.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 70.8% | 25th |
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 | 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 | 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 | 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 | 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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