| Metric | Clinton Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.9% | -4.8 pts |
| Deposit growth (YoY) | -1.6% | +4.3% | -6.0 pts |
| Loan growth (YoY) | -2.3% | +5.3% | -7.7 pts |
| ROA | 0.35% | 1.28% | -0.9 pts |
| ROE | 4.4% | 12.4% | -8.0 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 | $744.7M | $581.6M | $512.3M | $59.4M | $1.3M | 0.35% | 2.98% | 1.24% |
| Q1 2026 | $728.9M | $583.1M | $510.0M | $58.6M | $442K | 0.24% | 3.03% | 1.42% |
| Q4 2025 | $743.0M | $570.8M | $521.5M | $58.8M | $-5.3M | -0.71% | 2.75% | 1.35% |
| Q3 2025 | $747.4M | $565.7M | $525.1M | $62.2M | $-1.1M | -0.19% | 2.69% | 2.60% |
| Q2 2025 | $744.0M | $591.2M | $524.5M | $62.2M | $797K | 0.21% | 2.63% | 2.02% |
| Q1 2025 | $749.8M | $597.3M | $529.4M | $60.8M | $-298K | -0.16% | 2.50% | 2.02% |
| Q4 2024 | $742.0M | $604.4M | $528.7M | $59.2M | $-1.4M | -0.18% | 2.48% | 2.04% |
| Q3 2024 | $755.3M | $592.7M | $536.7M | $63.8M | $-734K | -0.13% | 2.47% | 2.02% |
Loan mix (Q2 2026): real estate $506.9M · commercial $6.7M · consumer $4.9M · securities $160.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Clinton 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 | 4.4% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 61.2% | 97th |
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 | Clinton 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 | Clinton 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 | Clinton 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 | Clinton 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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