| Metric | Denver Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 8.3% | 11.9% | -3.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.6M | $186.9M | $174.5M | $26.1M | $1.1M | 0.83% | 3.42% | 0.07% |
| Q1 2026 | $252.5M | $189.6M | $172.6M | $25.3M | $428K | 0.67% | 3.25% | 0.02% |
| Q4 2025 | $256.0M | $193.0M | $172.4M | $25.2M | $1.1M | 0.45% | 2.92% | 0.02% |
| Q3 2025 | $258.3M | $196.1M | $181.3M | $24.7M | $771K | 0.41% | 2.87% | 0.04% |
| Q2 2025 | $244.7M | $183.5M | $171.0M | $23.7M | $397K | 0.32% | 2.83% | 0.04% |
| Q1 2025 | $245.3M | $189.3M | $167.9M | $23.7M | $74K | 0.12% | 2.71% | 0.04% |
| Q4 2024 | $248.6M | $192.3M | $171.1M | $23.4M | $816K | 0.33% | 2.54% | 0.04% |
| Q3 2024 | $248.1M | $191.2M | $174.2M | $24.0M | $571K | 0.31% | 2.49% | 0.05% |
Loan mix (Q2 2026): real estate $137.0M · commercial $19.1M · consumer $2.6M · securities $51.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Denver Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 62.9% | 67th |
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 | Denver 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 | Denver Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Denver 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 | Denver 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 | Denver Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+1 vs 2024) · $183.5M branch deposits. Biggest market: Bremer, IA, ranked 3rd with 14.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bremer, IA | 2 | $183.5M | 14.66% | 3rd |
Iowa: 158th with 0.12% · Waterloo-Cedar Falls metro: 13th, 2.23% ·
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 2