| Metric | Grand Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +8.0% | +5.1% | +2.9 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 2.19% | 1.26% | +0.9 pts |
| ROE | 18.9% | 12.2% | +6.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $897.8M | $832.4M | $122.4M | $11.2M | 2.19% | 5.06% | 0.54% |
| Q1 2026 | $1.03B | $900.3M | $841.8M | $117.0M | $5.5M | 2.14% | 5.06% | 0.53% |
| Q4 2025 | $1.01B | $890.7M | $814.2M | $116.7M | $21.1M | 2.18% | 5.16% | 0.54% |
| Q3 2025 | $978.6M | $860.4M | $777.0M | $111.8M | $16.2M | 2.26% | 5.14% | 0.59% |
| Q2 2025 | $946.4M | $831.7M | $766.5M | $110.0M | $10.3M | 2.18% | 5.01% | 0.94% |
| Q1 2025 | $938.5M | $828.4M | $736.2M | $104.3M | $4.9M | 2.07% | 4.89% | 0.97% |
| Q4 2024 | $959.6M | $850.6M | $726.1M | $102.7M | $18.1M | 1.95% | 4.71% | 0.93% |
| Q3 2024 | $943.7M | $839.3M | $712.0M | $98.9M | $13.3M | 1.93% | 4.66% | 1.13% |
Loan mix (Q2 2026): real estate $735.2M · commercial $49.6M · consumer $36.9M · securities $87.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grand Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.1% | 59.0% | 12th |
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 | Grand 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 | Grand 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 | Grand 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 | Grand 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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