| Metric | The Wilson State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.6 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.1M | $108.2M | $86.0M | $10.5M | $751K | 1.22% | 3.87% | 0.00% |
| Q1 2026 | $127.7M | $110.1M | $83.3M | $10.2M | $345K | 1.12% | 3.80% | 0.03% |
| Q4 2025 | $119.0M | $101.6M | $84.7M | $10.1M | $1.3M | 1.08% | 3.80% | 0.14% |
| Q3 2025 | $122.0M | $104.5M | $84.8M | $9.8M | $978K | 1.07% | 3.75% | 0.15% |
| Q2 2025 | $122.2M | $105.5M | $82.7M | $9.2M | $673K | 1.11% | 3.70% | 0.16% |
| Q1 2025 | $122.7M | $106.4M | $83.9M | $8.8M | $305K | 1.01% | 3.70% | 0.04% |
| Q4 2024 | $119.4M | $103.7M | $83.2M | $8.3M | $1.2M | 0.96% | 3.61% | 0.04% |
| Q3 2024 | $120.3M | $104.0M | $84.1M | $8.7M | $774K | 0.86% | 3.52% | 0.10% |
Loan mix (Q2 2026): real estate $61.9M · commercial $16.7M · consumer $3.1M · securities $21.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Wilson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 62.9% | 63th |
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 Wilson 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 Wilson 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 Wilson 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 Wilson 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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