| Metric | Ipswich State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +3.0% | +7.6 pts |
| Deposit growth (YoY) | +12.0% | +2.5% | +9.5 pts |
| Loan growth (YoY) | +20.3% | +2.6% | +17.7 pts |
| ROA | 1.83% | 0.99% | +0.8 pts |
| ROE | 12.1% | 8.1% | +4.0 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.2M | $62.3M | $36.5M | $11.1M | $671K | 1.83% | 3.80% | 0.65% |
| Q1 2026 | $70.9M | $59.5M | $31.4M | $10.7M | $300K | 1.64% | 3.56% | 0.00% |
| Q4 2025 | $75.1M | $62.8M | $34.2M | $11.5M | $1.2M | 1.71% | 3.80% | 0.00% |
| Q3 2025 | $70.5M | $58.7M | $35.9M | $11.1M | $891K | 1.74% | 3.79% | 0.00% |
| Q2 2025 | $67.2M | $55.7M | $30.3M | $10.7M | $579K | 1.72% | 3.74% | 0.00% |
| Q1 2025 | $68.5M | $57.6M | $27.4M | $10.2M | $281K | 1.66% | 3.63% | 0.00% |
| Q4 2024 | $66.8M | $55.7M | $31.9M | $10.3M | $908K | 1.35% | 3.35% | 0.00% |
| Q3 2024 | $64.5M | $53.7M | $29.7M | $10.1M | $680K | 1.34% | 3.25% | 0.00% |
Loan mix (Q2 2026): real estate $11.5M · commercial $4.1M · consumer $1.2M · securities $15.3M
| Ratio | Ipswich State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.99% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 8.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 70.8% | 7th |
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 | Ipswich State 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 | Ipswich State 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 | Ipswich State 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 | Ipswich State 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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