| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.0% | -3.4 pts |
| Deposit growth (YoY) | -1.0% | +2.5% | -3.5 pts |
| Loan growth (YoY) | +5.5% | +2.6% | +2.9 pts |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 1.3% | 8.1% | -6.8 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.9M | $13.8M | $14.2M | $4.0M | $26K | 0.29% | 2.59% | 2.86% |
| Q1 2026 | $17.6M | $13.6M | $13.7M | $4.0M | $17K | 0.39% | 2.61% | 0.38% |
| Q4 2025 | $17.5M | $13.4M | $13.7M | $4.0M | $38K | 0.21% | 2.38% | 0.64% |
| Q3 2025 | $17.7M | $13.7M | $13.6M | $4.0M | $19K | 0.14% | 2.35% | 1.74% |
| Q2 2025 | $18.0M | $13.9M | $13.5M | $4.0M | $10K | 0.11% | 2.32% | 0.38% |
| Q1 2025 | $17.8M | $13.8M | $13.5M | $4.0M | $8K | 0.18% | 2.23% | 0.83% |
| Q4 2024 | $17.5M | $13.6M | $13.9M | $4.0M | $24K | 0.14% | 2.44% | 1.10% |
| Q3 2024 | $17.5M | $13.6M | $13.7M | $3.9M | $9K | 0.07% | 2.53% | 0.64% |
Loan mix (Q2 2026): real estate $14.3M · commercial $0 · consumer $0 · securities $0
| Ratio | Huntingdon Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 8.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 70.8% | 74th |
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 | Huntingdon 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 | Huntingdon 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 | Huntingdon 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 | Huntingdon Savings Bank | 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.