| Metric | The Walton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.0% | +7.7 pts |
| Deposit growth (YoY) | +14.8% | +2.5% | +12.3 pts |
| Loan growth (YoY) | +0.6% | +2.6% | -2.0 pts |
| ROA | -0.02% | 0.99% | -1.0 pts |
| ROE | -0.1% | 8.1% | -8.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.0M | $10.1M | $3.0M | $2.8M | $-1K | -0.02% | 4.40% | 0.00% |
| Q1 2026 | $12.5M | $9.5M | $3.2M | $2.8M | $-16K | -0.55% | 4.32% | 0.00% |
| Q4 2025 | $10.9M | $8.0M | $3.2M | $2.7M | $-139K | -1.05% | 4.32% | 0.00% |
| Q3 2025 | $13.1M | $10.1M | $4.2M | $2.8M | $-88K | -0.85% | 4.07% | 0.34% |
| Q2 2025 | $11.8M | $8.8M | $3.0M | $2.8M | $-54K | -0.77% | 3.76% | 1.34% |
| Q1 2025 | $13.4M | $10.4M | $3.1M | $2.8M | $-62K | -1.65% | 3.50% | 1.11% |
| Q4 2024 | $16.7M | $13.7M | $2.9M | $2.8M | $-106K | -0.67% | 3.74% | 0.90% |
| Q3 2024 | $17.5M | $14.4M | $2.4M | $2.9M | $-58K | -0.50% | 3.88% | 0.95% |
Loan mix (Q2 2026): real estate $2.6M · commercial $363K · consumer $91K · securities $2.6M
| Ratio | The Walton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.99% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 8.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 70.8% | 85th |
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 Walton 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 Walton State 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 Walton 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 Walton 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 Walton State 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 2024) · $8.8M branch deposits. Biggest market: Harvey, KS, ranked 14th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harvey, KS | 1 | $8.8M | 0.86% | 14th |
Kansas: 284th with 0.01% · Wichita metro: 59th, 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1