| Metric | Brunswick State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 1.25% | 1.24% | +0.0 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.6M | $158.6M | $148.3M | $16.4M | $1.1M | 1.25% | 3.95% | 1.41% |
| Q1 2026 | $174.6M | $158.0M | $149.1M | $16.1M | $499K | 1.16% | 4.01% | 0.57% |
| Q4 2025 | $170.9M | $154.4M | $146.1M | $16.1M | $1.7M | 0.97% | 4.07% | 0.61% |
| Q3 2025 | $167.8M | $150.7M | $149.8M | $16.4M | $1.9M | 1.50% | 4.02% | 1.15% |
| Q2 2025 | $171.5M | $154.8M | $145.2M | $16.0M | $1.3M | 1.51% | 3.88% | 1.09% |
| Q1 2025 | $173.6M | $157.3M | $141.8M | $15.8M | $710K | 1.63% | 3.92% | 0.71% |
| Q4 2024 | $174.8M | $158.8M | $143.7M | $15.6M | $2.8M | 1.71% | 3.96% | 0.49% |
| Q3 2024 | $168.0M | $142.1M | $148.4M | $15.3M | $2.1M | 1.71% | 3.89% | 0.59% |
Loan mix (Q2 2026): real estate $47.7M · commercial $37.1M · consumer $6.7M · securities $4.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Brunswick State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 62.9% | 44th |
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 | Brunswick State 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 | Brunswick State 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 | Brunswick State 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 | Brunswick State 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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