| Metric | Claremont Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +6.9% | +5.3% | +1.5 pts |
| ROA | 0.35% | 1.28% | -0.9 pts |
| ROE | 3.0% | 12.4% | -9.5 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $619.7M | $473.6M | $485.9M | $72.5M | $1.1M | 0.35% | 3.03% | 0.35% |
| Q1 2026 | $619.7M | $461.7M | $478.1M | $71.9M | $539K | 0.35% | 2.97% | 0.31% |
| Q4 2025 | $620.4M | $462.8M | $474.5M | $71.7M | $2.5M | 0.43% | 2.94% | 0.32% |
| Q3 2025 | $605.1M | $449.2M | $467.6M | $71.3M | $1.9M | 0.44% | 2.92% | 0.33% |
| Q2 2025 | $597.8M | $448.0M | $454.6M | $69.5M | $1.2M | 0.43% | 2.89% | 0.37% |
| Q1 2025 | $575.7M | $443.4M | $450.7M | $68.8M | $344K | 0.24% | 2.83% | 0.50% |
| Q4 2024 | $559.1M | $417.6M | $429.9M | $67.7M | $2.5M | 0.46% | 2.56% | 0.48% |
| Q3 2024 | $578.9M | $436.2M | $416.0M | $68.6M | $2.0M | 0.48% | 2.50% | 0.43% |
Loan mix (Q2 2026): real estate $442.7M · commercial $41.3M · consumer $4.4M · securities $58.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Claremont Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 1.28% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 12.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 61.2% | 95th |
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 | Claremont 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 | Claremont 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 | Claremont 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 | Claremont 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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