| Metric | Kensington Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -3.6% | +4.0% | -7.6 pts |
| Loan growth (YoY) | -1.0% | +5.6% | -6.5 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $446.7M | $376.2M | $341.2M | $44.6M | $2.9M | 1.30% | 4.35% | 0.44% |
| Q1 2026 | $450.8M | $379.1M | $347.9M | $43.0M | $1.6M | 1.39% | 4.28% | 1.00% |
| Q4 2025 | $446.4M | $383.3M | $347.2M | $41.6M | $4.4M | 0.98% | 3.92% | 1.18% |
| Q3 2025 | $462.3M | $399.1M | $353.8M | $42.3M | $3.5M | 1.02% | 3.91% | 1.05% |
| Q2 2025 | $452.0M | $390.3M | $344.5M | $40.5M | $2.2M | 0.96% | 3.89% | 0.84% |
| Q1 2025 | $454.5M | $394.5M | $330.9M | $39.0M | $1.1M | 0.95% | 3.84% | 1.00% |
| Q4 2024 | $441.9M | $382.4M | $327.6M | $37.4M | $3.9M | 0.91% | 3.69% | 1.44% |
| Q3 2024 | $448.5M | $366.6M | $335.0M | $38.2M | $2.9M | 0.92% | 3.66% | 1.30% |
Loan mix (Q2 2026): real estate $245.7M · commercial $36.9M · consumer $5.0M · securities $61.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kensington Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 17th |
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 | Kensington 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 | Kensington 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 | Kensington 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 | Kensington 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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