| Metric | The Valley State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $200.5M | $174.0M | $108.0M | $22.5M | $551K | 0.55% | 4.22% | 0.10% |
| Q1 2026 | $202.5M | $175.4M | $107.9M | $23.0M | $360K | 0.72% | 4.18% | 0.18% |
| Q4 2025 | $195.2M | $166.3M | $110.4M | $22.8M | $1.8M | 0.93% | 4.22% | 0.16% |
| Q3 2025 | $193.1M | $165.8M | $106.6M | $22.8M | $1.5M | 1.04% | 4.17% | 0.24% |
| Q2 2025 | $191.8M | $163.3M | $105.8M | $21.4M | $974K | 1.00% | 4.09% | 0.24% |
| Q1 2025 | $196.1M | $167.9M | $108.2M | $21.0M | $476K | 0.97% | 3.98% | 0.30% |
| Q4 2024 | $194.9M | $163.3M | $108.6M | $19.6M | $1.5M | 0.77% | 3.67% | 0.30% |
| Q3 2024 | $194.0M | $163.5M | $108.7M | $20.7M | $933K | 0.65% | 3.61% | 0.33% |
Loan mix (Q2 2026): real estate $88.2M · commercial $8.0M · consumer $11.4M · securities $78.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Valley State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 62.9% | 67th |
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 Valley 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 Valley 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 Valley 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 Valley 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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