Dogwood State Bank
Raleigh, NC · Cert 57095 · Peer group: banks $1B-$10B in assets operating regionally (n=190)
FDIC · 17 branches
Q4 2025
$2.4BAssets
$2.0BLoans
$2.0BDeposits
$255.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks $1B-$10B in assets operating regionally (rank 30 of 190).
- Widest gap: brokered deposits / deposits trails 87% of banks $1B-$10B in assets operating regionally (rank 166 of 190).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.91%
Rank 124 of 190
Net Interest Margin
3.89%
Rank 30 of 190
Efficiency Ratio
67.04%
Rank 130 of 190
Equity / Assets
10.79%
Rank 77 of 190
Non-interest income vs. expense
Unfavorable gap of $56.1M · efficiency ratio beats 32% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.81% | 1.06% | 1.38% | Beats 35% | 124 / 190 | | |
| Return on Equity | 8.48% | 7.94% | 10.59% | 13.10% | Beats 27% | 138 / 190 | | |
| Net Interest Margin | 3.89% | 2.96% | 3.37% | 3.73% | Beats 84% | 30 / 190 | | |
| Efficiency Ratio | 67.04% | 53.47% | 61.04% | 69.03% | Beats 32% | 130 / 190 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.27% | 0.57% | 1.02% | Beats 26% | 141 / 190 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.11% | 11.24% | 12.41% | 13.92% | Beats 22% | 149 / 190 | | |
| Total Risk-Based Capital Ratio | 12.24% | 12.23% | 13.41% | 15.02% | Beats 26% | 141 / 190 | | |
| Equity / Assets | 10.79% | 9.18% | 10.34% | 11.70% | Beats 59% | 77 / 190 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.80% | 80.94% | 88.63% | 96.05% | 91st pctl | 17 / 190 | | |
| Loans / Assets | 84.26% | 67.97% | 74.70% | 80.03% | 92nd pctl | 16 / 190 | | |
| Brokered Deposits / Deposits | 12.14% | n/a | 2.16% | 7.51% | Beats 13% | 166 / 190 | n/a | |