| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +5.7% | +5.6% | +0.2 pts |
| ROA | 0.72% | 1.24% | -0.5 pts |
| ROE | 5.7% | 11.9% | -6.2 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342.7M | $256.4M | $274.7M | $44.1M | $1.2M | 0.72% | 2.87% | 0.14% |
| Q1 2026 | $342.1M | $259.7M | $271.3M | $43.4M | $499K | 0.58% | 2.79% | 0.19% |
| Q4 2025 | $344.5M | $254.6M | $270.1M | $42.9M | $1.3M | 0.40% | 2.46% | 0.20% |
| Q3 2025 | $340.4M | $253.7M | $266.4M | $42.4M | $836K | 0.33% | 2.39% | 0.18% |
| Q2 2025 | $333.7M | $258.5M | $259.9M | $42.0M | $461K | 0.28% | 2.32% | 0.34% |
| Q1 2025 | $333.7M | $255.9M | $255.9M | $41.7M | $166K | 0.20% | 2.28% | 0.20% |
| Q4 2024 | $330.2M | $247.5M | $255.1M | $41.5M | $769K | 0.23% | 2.11% | 0.20% |
| Q3 2024 | $330.1M | $248.4M | $251.0M | $41.4M | $586K | 0.24% | 2.11% | 0.20% |
Loan mix (Q2 2026): real estate $267.6M · commercial $5.7M · consumer $3.1M · securities $43.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Greenville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 62.9% | 65th |
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 | Greenville 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 | Greenville 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 | Greenville 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 | Greenville 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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