| Metric | Waldo State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.4% | -5.4 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -3.0 pts |
| Loan growth (YoY) | -2.2% | +5.6% | -7.8 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.0% | 11.9% | -4.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.2M | $127.4M | $117.3M | $15.1M | $523K | 0.68% | 3.54% | 1.87% |
| Q1 2026 | $153.4M | $127.0M | $116.4M | $14.8M | $251K | 0.65% | 3.50% | 1.54% |
| Q4 2025 | $153.4M | $132.0M | $116.4M | $14.7M | $1.0M | 0.68% | 3.46% | 1.64% |
| Q3 2025 | $151.1M | $127.5M | $119.3M | $14.5M | $876K | 0.77% | 3.47% | 1.90% |
| Q2 2025 | $155.8M | $126.2M | $119.9M | $14.1M | $570K | 0.76% | 3.51% | 1.11% |
| Q1 2025 | $152.6M | $123.5M | $122.7M | $13.7M | $359K | 0.97% | 3.60% | 0.49% |
| Q4 2024 | $144.6M | $113.0M | $118.5M | $13.2M | $1.1M | 0.80% | 3.37% | 0.72% |
| Q3 2024 | $136.2M | $106.7M | $109.6M | $13.2M | $651K | 0.67% | 3.29% | 0.46% |
Loan mix (Q2 2026): real estate $108.9M · commercial $6.4M · consumer $1.9M · securities $20.0M
| Ratio | Waldo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 62.9% | 78th |
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 | Waldo 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 | Waldo 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 | Waldo 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 | Waldo 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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