| Metric | Haddon Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +11.2% | +5.6% | +5.6 pts |
| ROA | -0.10% | 1.24% | -1.3 pts |
| ROE | -1.6% | 11.9% | -13.5 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $421.4M | $351.3M | $265.0M | $24.2M | $-198K | -0.10% | 1.76% | 0.15% |
| Q1 2026 | $410.9M | $354.7M | $253.7M | $24.3M | $-138K | -0.14% | 1.71% | 0.09% |
| Q4 2025 | $407.2M | $350.3M | $252.1M | $24.7M | $-841K | -0.21% | 1.56% | 0.11% |
| Q3 2025 | $397.2M | $341.3M | $239.6M | $23.7M | $-607K | -0.20% | 1.56% | 0.12% |
| Q2 2025 | $400.3M | $327.3M | $238.3M | $22.8M | $-557K | -0.28% | 1.52% | 0.11% |
| Q1 2025 | $399.8M | $320.3M | $237.4M | $22.2M | $-339K | -0.34% | 1.49% | 0.41% |
| Q4 2024 | $398.5M | $317.7M | $227.0M | $20.1M | $-1.7M | -0.43% | 1.24% | 0.30% |
| Q3 2024 | $397.8M | $307.7M | $219.0M | $23.4M | $-1.1M | -0.38% | 1.21% | 0.14% |
Loan mix (Q2 2026): real estate $232.4M · commercial $33.2M · consumer $263K · securities $109.6M
| Ratio | Haddon Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.8% | 62.9% | 98th |
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 | Haddon 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 | Haddon 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 | Haddon 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 | Haddon 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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