| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 2.7% | 11.9% | -9.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.2M | $75.9M | $84.7M | $6.9M | $92K | 0.18% | 3.03% | 0.02% |
| Q1 2026 | $101.8M | $73.6M | $83.1M | $6.8M | $65K | 0.25% | 2.93% | 0.02% |
| Q4 2025 | $102.2M | $75.5M | $82.9M | $6.8M | $356K | 0.35% | 2.87% | 0.00% |
| Q3 2025 | $101.6M | $74.3M | $82.3M | $6.6M | $250K | 0.33% | 2.82% | 0.10% |
| Q2 2025 | $102.7M | $76.5M | $81.6M | $6.3M | $126K | 0.25% | 2.73% | 0.10% |
| Q1 2025 | $101.1M | $72.3M | $80.9M | $6.2M | $55K | 0.22% | 2.71% | 0.00% |
| Q4 2024 | $102.3M | $74.6M | $82.4M | $5.9M | $32K | 0.03% | 2.59% | 0.13% |
| Q3 2024 | $102.4M | $74.9M | $80.2M | $6.4M | $67K | 0.09% | 2.65% | 0.27% |
Loan mix (Q2 2026): real estate $79.1M · commercial $3.3M · consumer $3.1M · securities $11.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Auburn Savings Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 62.9% | 96th |
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 | Auburn Savings Bank, FSB | 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 | Auburn Savings Bank, FSB | 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 | Auburn Savings Bank, FSB | 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 | Auburn Savings Bank, FSB | 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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