| Metric | Breda Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.4% | +4.7 pts |
| Deposit growth (YoY) | +9.1% | +4.0% | +5.1 pts |
| Loan growth (YoY) | -4.1% | +5.6% | -9.7 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 20.9% | 11.9% | +9.1 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.0M | $84.7M | $55.7M | $8.7M | $845K | 1.62% | 3.09% | 0.00% |
| Q1 2026 | $106.2M | $85.8M | $57.9M | $7.8M | $429K | 1.66% | 3.09% | 0.00% |
| Q4 2025 | $100.0M | $79.1M | $59.9M | $7.8M | $1.3M | 1.38% | 3.08% | 0.00% |
| Q3 2025 | $98.5M | $77.7M | $60.2M | $8.0M | $950K | 1.30% | 3.02% | 0.00% |
| Q2 2025 | $97.2M | $77.6M | $58.0M | $6.9M | $482K | 1.00% | 2.87% | 0.00% |
| Q1 2025 | $96.8M | $81.0M | $58.4M | $6.7M | $313K | 1.30% | 2.85% | 0.00% |
| Q4 2024 | $96.2M | $75.3M | $56.7M | $6.5M | $1.3M | 1.35% | 2.78% | 0.00% |
| Q3 2024 | $99.6M | $79.6M | $59.2M | $7.0M | $1.1M | 1.41% | 2.69% | 0.00% |
Loan mix (Q2 2026): real estate $36.0M · commercial $4.2M · consumer $579K · securities $36.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Breda Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 62.9% | 15th |
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 | Breda Savings Bank | 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 | Breda Savings Bank | 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 | Breda Savings Bank | 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 | Breda Savings Bank | 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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