| Metric | Vergas State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.0% | +5.8 pts |
| Deposit growth (YoY) | +8.8% | +2.5% | +6.3 pts |
| Loan growth (YoY) | +18.3% | +2.6% | +15.7 pts |
| ROA | 1.38% | 0.99% | +0.4 pts |
| ROE | 9.4% | 8.1% | +1.3 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.7M | $51.5M | $34.7M | $8.9M | $409K | 1.38% | 4.30% | 0.09% |
| Q1 2026 | $59.1M | $50.1M | $34.0M | $8.7M | $166K | 1.13% | 4.22% | 0.10% |
| Q4 2025 | $58.7M | $49.9M | $34.2M | $8.6M | $570K | 1.01% | 3.94% | 0.10% |
| Q3 2025 | $59.1M | $50.3M | $31.4M | $8.5M | $546K | 1.30% | 3.81% | 0.30% |
| Q2 2025 | $55.7M | $47.3M | $29.3M | $8.2M | $326K | 1.19% | 3.75% | 0.00% |
| Q1 2025 | $54.0M | $45.8M | $27.8M | $8.0M | $147K | 1.08% | 3.57% | 0.00% |
| Q4 2024 | $55.0M | $47.1M | $26.2M | $7.8M | $331K | 0.60% | 3.24% | 0.00% |
| Q3 2024 | $54.9M | $47.0M | $25.5M | $7.7M | $292K | 0.71% | 3.16% | 0.33% |
Loan mix (Q2 2026): real estate $25.1M · commercial $5.5M · consumer $2.4M · securities $11.7M
| Ratio | Vergas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.99% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 8.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 70.8% | 21th |
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 | Vergas 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 | Vergas 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 | Vergas 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 | Vergas 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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