| Metric | Grove Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +5.5% | -5.9 pts |
| Deposit growth (YoY) | -0.6% | +5.1% | -5.7 pts |
| Loan growth (YoY) | +11.4% | +6.0% | +5.4 pts |
| ROA | 0.68% | 1.26% | -0.6 pts |
| ROE | 7.0% | 12.2% | -5.2 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.41B | $1.21B | $853.8M | $138.5M | $4.7M | 0.68% | 2.66% | 0.01% |
| Q1 2026 | $1.41B | $1.18B | $818.6M | $136.0M | $2.4M | 0.69% | 2.65% | 0.00% |
| Q4 2025 | $1.37B | $1.15B | $808.4M | $133.8M | $7.8M | 0.58% | 2.51% | 0.00% |
| Q3 2025 | $1.35B | $1.15B | $780.8M | $131.1M | $5.5M | 0.55% | 2.44% | 0.00% |
| Q2 2025 | $1.42B | $1.21B | $766.7M | $127.8M | $2.8M | 0.42% | 2.38% | 0.00% |
| Q1 2025 | $1.37B | $1.13B | $734.9M | $126.4M | $1.2M | 0.36% | 2.33% | 0.00% |
| Q4 2024 | $1.23B | $952.6M | $685.1M | $124.6M | $2.2M | 0.18% | 2.16% | 0.00% |
| Q3 2024 | $1.23B | $952.1M | $609.8M | $124.3M | $834K | 0.10% | 2.07% | 0.00% |
Loan mix (Q2 2026): real estate $619.3M · commercial $229.1M · consumer $11.4M · securities $286.4M
| Ratio | Grove Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 59.0% | 85th |
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 & Trust | 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 & Trust | 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 | Grove Bank & Trust | 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 & Trust | 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 & Trust | 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.
Spends 2.1× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
5 branches in 1 county across 1 state (+0 vs 2025) · $1.21B branch deposits. Biggest market: Miami-Dade, FL, ranked 31st with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami-Dade, FL | 5 | $1.21B | 0.55% | 31st |
Florida: 82nd with 0.12% · Miami-Fort Lauderdale-West Palm Beach metro: 42nd, 0.33% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5