| Metric | Kennebec Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +3.9% | +5.1% | -1.1 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -1.0 pts |
| ROA | 1.36% | 1.26% | +0.1 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.87B | $1.41B | $1.56B | $251.2M | $12.6M | 1.36% | 3.05% | 0.39% |
| Q1 2026 | $1.83B | $1.40B | $1.52B | $241.2M | $2.6M | 0.56% | 3.03% | 0.38% |
| Q4 2025 | $1.82B | $1.39B | $1.52B | $239.2M | $20.3M | 1.13% | 2.89% | 0.35% |
| Q3 2025 | $1.80B | $1.37B | $1.50B | $233.6M | $15.0M | 1.13% | 2.83% | 0.30% |
| Q2 2025 | $1.79B | $1.35B | $1.48B | $226.0M | $8.6M | 0.97% | 2.75% | 0.30% |
| Q1 2025 | $1.76B | $1.35B | $1.46B | $219.1M | $1.9M | 0.44% | 2.67% | 0.27% |
| Q4 2024 | $1.76B | $1.35B | $1.46B | $215.6M | $10.5M | 0.61% | 2.42% | 0.26% |
| Q3 2024 | $1.74B | $1.32B | $1.43B | $219.7M | $10.7M | 0.83% | 2.36% | 0.28% |
Loan mix (Q2 2026): real estate $1.46B · commercial $93.3M · consumer $3.4M · securities $220.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kennebec Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 59.0% | 82th |
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 | Kennebec 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 | Kennebec 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 | Kennebec 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 | Kennebec 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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