| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.4 pts |
| ROA | 0.74% | 1.26% | -0.5 pts |
| ROE | 5.1% | 12.2% | -7.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.50B | $1.15B | $870.5M | $220.8M | $5.6M | 0.74% | 3.09% | 0.03% |
| Q1 2026 | $1.50B | $1.16B | $863.7M | $215.4M | $217K | 0.06% | 3.05% | 0.08% |
| Q4 2025 | $1.50B | $1.16B | $842.1M | $216.4M | $15.3M | 1.06% | 2.81% | 0.07% |
| Q3 2025 | $1.47B | $1.14B | $850.3M | $210.7M | $10.3M | 0.95% | 2.75% | 0.09% |
| Q2 2025 | $1.45B | $1.13B | $825.1M | $203.6M | $6.3M | 0.89% | 2.70% | 0.09% |
| Q1 2025 | $1.42B | $1.11B | $821.4M | $197.5M | $1.6M | 0.44% | 2.66% | 0.07% |
| Q4 2024 | $1.40B | $1.10B | $814.9M | $189.6M | $15.8M | 1.15% | 2.51% | 0.04% |
| Q3 2024 | $1.37B | $1.06B | $809.0M | $190.1M | $11.2M | 1.09% | 2.49% | 0.05% |
Loan mix (Q2 2026): real estate $798.7M · commercial $65.0M · consumer $10.8M · securities $502.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bath Savings Institution | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 59.0% | 71th |
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 | Bath Savings Institution | 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 | Bath Savings Institution | 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 | Bath Savings Institution | 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 | Bath Savings Institution | 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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