| Metric | White State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.4% | +5.9 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.6 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.5 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.0M | $96.4M | $37.4M | $12.0M | $860K | 1.62% | 3.54% | 0.46% |
| Q1 2026 | $103.5M | $91.1M | $35.9M | $11.6M | $387K | 1.48% | 3.46% | 0.34% |
| Q4 2025 | $105.3M | $92.6M | $36.9M | $12.0M | $1.4M | 1.40% | 3.45% | 0.00% |
| Q3 2025 | $98.1M | $85.8M | $36.8M | $11.5M | $996K | 1.34% | 3.43% | 0.00% |
| Q2 2025 | $98.9M | $87.2M | $36.3M | $11.0M | $655K | 1.32% | 3.39% | 0.00% |
| Q1 2025 | $99.6M | $88.5M | $35.5M | $10.4M | $300K | 1.20% | 3.26% | 0.35% |
| Q4 2024 | $100.1M | $89.5M | $36.4M | $10.0M | $1.3M | 1.30% | 3.16% | 0.00% |
| Q3 2024 | $100.8M | $89.7M | $36.1M | $10.5M | $1.0M | 1.37% | 3.16% | 0.10% |
Loan mix (Q2 2026): real estate $25.0M · commercial $4.7M · consumer $1.9M · securities $59.0M
| Ratio | White State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
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 | 43.4% | 62.9% | 7th |
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 | White 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 | White 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 | White 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 | White 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 | White 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.
3 branches in 3 counties across 1 state (+0 vs 2025) · $96.4M branch deposits. Biggest market: Keokuk, IA, ranked 4th with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Keokuk, IA | 1 | $46.5M | 12.24% | 4th |
| Washington, IA | 1 | $29.0M | 2.81% | 6th |
| Henry, IA | 1 | $20.9M | 3.66% | 6th |
Iowa: 238th with 0.06% · Iowa City metro: 21st, 0.36% ·
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (13 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).