| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +3.0% | -9.0 pts |
| Deposit growth (YoY) | -7.5% | +2.5% | -10.0 pts |
| Loan growth (YoY) | -17.4% | +2.6% | -20.1 pts |
| ROA | 0.87% | 0.99% | -0.1 pts |
| ROE | 8.3% | 8.1% | +0.2 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.6M | $78.6M | $60.9M | $9.7M | $406K | 0.87% | 3.88% | 4.82% |
| Q1 2026 | $94.5M | $83.5M | $62.9M | $9.8M | $-7K | -0.03% | 3.51% | 3.53% |
| Q4 2025 | $95.1M | $84.1M | $69.0M | $9.8M | $-1.2M | -1.17% | 3.34% | 4.11% |
| Q3 2025 | $93.6M | $83.0M | $73.4M | $9.2M | $-1.8M | -2.25% | 2.97% | 8.76% |
| Q2 2025 | $95.3M | $85.0M | $73.8M | $9.0M | $-1.9M | -3.56% | 2.84% | 8.94% |
| Q1 2025 | $110.2M | $93.0M | $86.9M | $10.9M | $19K | 0.07% | 2.85% | 11.65% |
| Q4 2024 | $116.5M | $97.0M | $88.9M | $11.2M | $126K | 0.10% | 3.28% | 6.85% |
| Q3 2024 | $120.0M | $100.6M | $92.5M | $11.1M | $-146K | -0.16% | 3.28% | 8.17% |
Loan mix (Q2 2026): real estate $40.6M · commercial $8.4M · consumer $641K · securities $5.7M
| Ratio | The State Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.99% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 8.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
50th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 70.8% | 43th |
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 Exchange 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 Exchange 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 Exchange 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 Exchange 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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