| Metric | Bank of Newington | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +14.8% | +4.0% | +10.8 pts |
| Loan growth (YoY) | +10.2% | +5.6% | +4.6 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $333.8M | $301.1M | $260.1M | $29.7M | $2.4M | 1.50% | 5.00% | 0.55% |
| Q1 2026 | $331.2M | $299.7M | $249.9M | $28.6M | $1.2M | 1.52% | 4.92% | 0.90% |
| Q4 2025 | $313.0M | $282.6M | $243.9M | $28.0M | $3.7M | 1.25% | 5.13% | 0.53% |
| Q3 2025 | $308.6M | $268.6M | $235.6M | $27.5M | $3.1M | 1.43% | 5.07% | 0.91% |
| Q2 2025 | $300.9M | $262.3M | $236.1M | $26.3M | $2.3M | 1.60% | 5.12% | 0.60% |
| Q1 2025 | $287.2M | $249.8M | $223.1M | $25.2M | $1.1M | 1.54% | 5.03% | 0.39% |
| Q4 2024 | $274.8M | $238.4M | $215.4M | $24.5M | $3.7M | 1.39% | 4.98% | 1.00% |
| Q3 2024 | $269.4M | $242.6M | $206.6M | $24.1M | $3.1M | 1.53% | 4.98% | 0.30% |
Loan mix (Q2 2026): real estate $249.0M · commercial $8.0M · consumer $3.5M · securities $28.2M
| Ratio | Bank of Newington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 40th |
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 | Bank of Newington | 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 | Bank of Newington | 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 | Bank of Newington | 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 | Bank of Newington | 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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