| Metric | Valley State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +4.4% | +9.2 pts |
| Deposit growth (YoY) | +14.8% | +4.0% | +10.8 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.8 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 8.0% | 11.9% | -3.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $169.5M | $139.4M | $87.7M | $29.3M | $1.2M | 1.37% | 3.92% | 0.51% |
| Q1 2026 | $171.7M | $142.0M | $85.5M | $28.7M | $574K | 1.36% | 3.86% | 0.40% |
| Q4 2025 | $164.9M | $135.4M | $83.6M | $28.8M | $1.8M | 1.15% | 3.98% | 0.50% |
| Q3 2025 | $157.7M | $129.0M | $82.1M | $28.2M | $1.3M | 1.14% | 4.01% | 0.62% |
| Q2 2025 | $149.2M | $121.5M | $78.7M | $27.0M | $811K | 1.09% | 3.98% | 0.39% |
| Q1 2025 | $147.7M | $120.6M | $79.8M | $26.7M | $385K | 1.03% | 3.90% | 0.39% |
| Q4 2024 | $150.1M | $123.4M | $80.4M | $26.1M | $1.8M | 1.18% | 4.09% | 0.38% |
| Q3 2024 | $146.9M | $120.2M | $79.0M | $26.4M | $1.4M | 1.23% | 4.06% | 0.33% |
Loan mix (Q2 2026): real estate $63.4M · commercial $15.2M · consumer $6.8M · securities $64.8M
| Ratio | Valley State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 62.9% | 26th |
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 | 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 | 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 | 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 | 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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