| 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% | 72th | |
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 |
|---|---|---|---|---|
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% |
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