| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 0.32% | 1.24% | -0.9 pts |
| ROE | 2.3% | 11.9% | -9.6 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $493.9M | $400.6M | $402.5M | $69.5M | $786K | 0.32% | 4.49% | 0.83% |
| Q1 2026 | $484.4M | $389.7M | $387.7M | $69.5M | $772K | 0.64% | 4.38% | 1.46% |
| Q4 2025 | $484.6M | $390.9M | $388.2M | $68.8M | $5.0M | 1.09% | 4.52% | 1.05% |
| Q3 2025 | $476.5M | $383.4M | $387.6M | $67.2M | $3.5M | 1.01% | 4.43% | 1.20% |
| Q2 2025 | $462.3M | $378.4M | $374.1M | $65.4M | $1.9M | 0.83% | 4.37% | 0.46% |
| Q1 2025 | $446.5M | $367.4M | $359.8M | $64.3M | $871K | 0.78% | 4.32% | 0.03% |
| Q4 2024 | $443.0M | $360.9M | $358.4M | $63.3M | $4.0M | 0.92% | 4.40% | 0.20% |
| Q3 2024 | $434.4M | $356.6M | $349.7M | $62.3M | $2.7M | 0.85% | 4.36% | 0.40% |
Loan mix (Q2 2026): real estate $359.7M · commercial $37.4M · consumer $126K · securities $27.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Jewett City Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 62.9% | 80th |
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 | Jewett City 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 | Jewett City 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 | Jewett City 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 | Jewett City 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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