| Metric | Grove Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -0.9% | +2.5% | -3.4 pts |
| Loan growth (YoY) | +14.2% | +2.6% | +11.6 pts |
| ROA | 0.21% | 0.99% | -0.8 pts |
| ROE | 1.7% | 8.1% | -6.4 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.4M | $45.4M | $41.0M | $7.0M | $58K | 0.21% | 4.57% | 0.08% |
| Q1 2026 | $54.7M | $44.4M | $36.6M | $6.9M | $8K | 0.06% | 4.19% | 0.16% |
| Q4 2025 | $56.6M | $45.1M | $35.6M | $7.0M | $-88K | -0.15% | 4.17% | 0.14% |
| Q3 2025 | $57.8M | $46.3M | $34.5M | $7.0M | $-126K | -0.30% | 4.12% | 0.17% |
| Q2 2025 | $57.2M | $45.8M | $35.9M | $6.7M | $-135K | -0.48% | 4.16% | 0.13% |
| Q1 2025 | $59.0M | $45.9M | $33.9M | $6.8M | $-33K | -0.24% | 3.85% | 0.23% |
| Q4 2024 | $53.1M | $41.4M | $34.8M | $6.8M | $-11K | -0.02% | 4.20% | 0.29% |
| Q3 2024 | $52.5M | $40.8M | $33.2M | $6.8M | $20K | 0.05% | 4.23% | 0.25% |
Loan mix (Q2 2026): real estate $26.4M · commercial $12.6M · consumer $781K · securities $11.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grove Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.99% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 8.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 70.8% | 84th |
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 | Grove 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 | Grove 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 | Grove 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 | Grove 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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