| Metric | Chelsea Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | -0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.6 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 15.5% | 11.9% | +3.6 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $196.9M | $173.8M | $83.8M | $22.3M | $1.7M | 1.75% | 3.49% | 0.10% |
| Q1 2026 | $198.3M | $174.5M | $80.9M | $23.0M | $849K | 1.71% | 3.40% | 0.11% |
| Q4 2025 | $199.6M | $176.9M | $82.5M | $21.9M | $3.1M | 1.59% | 3.38% | 0.10% |
| Q3 2025 | $197.2M | $171.1M | $80.9M | $20.8M | $2.2M | 1.55% | 3.36% | 0.11% |
| Q2 2025 | $192.8M | $173.8M | $78.2M | $18.1M | $1.4M | 1.50% | 3.35% | 0.11% |
| Q1 2025 | $190.8M | $170.2M | $74.0M | $18.8M | $612K | 1.28% | 3.18% | 0.11% |
| Q4 2024 | $191.3M | $172.6M | $67.7M | $17.0M | $1.9M | 0.99% | 2.82% | 0.16% |
| Q3 2024 | $188.8M | $168.2M | $60.4M | $19.5M | $1.4M | 1.01% | 2.74% | 0.19% |
Loan mix (Q2 2026): real estate $42.2M · commercial $17.4M · consumer $1.9M · securities $97.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Chelsea Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 62.9% | 7th |
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 | Chelsea 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 | Chelsea 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 | Chelsea 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 | Chelsea 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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