| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +3.0% | +13.6 pts |
| Deposit growth (YoY) | +16.0% | +2.5% | +13.5 pts |
| Loan growth (YoY) | +6.5% | +2.6% | +3.9 pts |
| ROA | 1.22% | 0.99% | +0.2 pts |
| ROE | 15.2% | 8.1% | +7.1 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.9M | $46.5M | $16.8M | $4.1M | $313K | 1.22% | 2.98% | 0.62% |
| Q1 2026 | $46.8M | $42.4M | $15.4M | $4.1M | $194K | 1.51% | 2.94% | 0.69% |
| Q4 2025 | $55.8M | $51.4M | $17.2M | $4.1M | $337K | 0.71% | 3.06% | 0.58% |
| Q3 2025 | $42.5M | $38.4M | $16.6M | $3.9M | $327K | 0.95% | 3.08% | 0.98% |
| Q2 2025 | $43.6M | $40.1M | $15.8M | $3.2M | $201K | 0.86% | 2.98% | 0.98% |
| Q1 2025 | $46.1M | $42.6M | $14.7M | $3.3M | $103K | 0.85% | 2.93% | 0.16% |
| Q4 2024 | $50.4M | $46.9M | $16.0M | $3.2M | $379K | 0.82% | 3.06% | 0.15% |
| Q3 2024 | $41.5M | $37.5M | $16.6M | $3.8M | $367K | 1.09% | 3.08% | 0.20% |
Loan mix (Q2 2026): real estate $9.5M · commercial $383K · consumer $1.1M · securities $28.5M
| Ratio | The State Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.99% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 70.8% | 35th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $46.5M branch deposits. Biggest market: Jewell, KS, ranked 1st with 34.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jewell, KS | 1 | $46.5M | 34.67% | 1st |
Kansas: 229th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (41 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).