| Metric | Bank of Wolcott | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 1.69% | 1.24% | +0.4 pts |
| ROE | 16.2% | 11.9% | +4.4 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $280.3M | $234.2M | $141.1M | $29.5M | $2.3M | 1.69% | 3.34% | 0.29% |
| Q1 2026 | $278.8M | $233.7M | $141.3M | $28.9M | $1.1M | 1.54% | 3.24% | 0.33% |
| Q4 2025 | $274.6M | $228.4M | $144.5M | $28.2M | $4.3M | 1.65% | 3.34% | 0.30% |
| Q3 2025 | $268.1M | $222.1M | $137.6M | $26.6M | $3.2M | 1.67% | 3.34% | 0.32% |
| Q2 2025 | $264.3M | $225.4M | $136.2M | $22.7M | $2.0M | 1.58% | 3.35% | 0.19% |
| Q1 2025 | $243.9M | $215.1M | $133.1M | $22.7M | $954K | 1.56% | 3.31% | 0.22% |
| Q4 2024 | $245.7M | $206.6M | $134.9M | $21.2M | $3.7M | 1.54% | 3.24% | 0.32% |
| Q3 2024 | $242.4M | $207.4M | $129.0M | $23.7M | $2.8M | 1.56% | 3.23% | 0.32% |
Loan mix (Q2 2026): real estate $104.9M · commercial $19.0M · consumer $1.1M · securities $126.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Wolcott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 62.9% | 19th |
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 Wolcott | 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 Wolcott | 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 Wolcott | 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 Wolcott | 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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