| Metric | Crest Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | -1.4% | +5.3% | -6.8 pts |
| ROA | 0.43% | 1.28% | -0.9 pts |
| ROE | 5.0% | 12.4% | -7.5 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $594.2M | $516.9M | $449.2M | $51.0M | $1.3M | 0.43% | 2.98% | 0.01% |
| Q1 2026 | $579.6M | $504.6M | $446.4M | $50.4M | $557K | 0.38% | 2.93% | 0.00% |
| Q4 2025 | $588.9M | $514.5M | $442.5M | $49.8M | $2.4M | 0.41% | 2.87% | 0.00% |
| Q3 2025 | $620.2M | $546.0M | $444.4M | $49.0M | $1.6M | 0.37% | 2.82% | 0.00% |
| Q2 2025 | $568.1M | $494.9M | $455.7M | $48.4M | $974K | 0.35% | 2.77% | 0.00% |
| Q1 2025 | $552.2M | $473.3M | $455.4M | $48.0M | $523K | 0.38% | 2.74% | 0.02% |
| Q4 2024 | $556.8M | $476.7M | $455.5M | $47.4M | $1.4M | 0.25% | 2.50% | 0.03% |
| Q3 2024 | $579.4M | $497.1M | $457.1M | $47.1M | $1.1M | 0.26% | 2.44% | 0.03% |
Loan mix (Q2 2026): real estate $423.9M · commercial $3.3M · consumer $24.3M · securities $49.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Crest Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 12.4% | 11th | |
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 | 81.0% | 61.2% | 90th |
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 | Crest 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 | Crest 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 | Crest 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 | Crest 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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