| Metric | KeySavings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.3 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 7.3% | 11.9% | -4.6 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.5M | $99.7M | $78.6M | $9.5M | $353K | 0.55% | 3.37% | 0.04% |
| Q1 2026 | $127.1M | $95.2M | $78.2M | $9.5M | $116K | 0.36% | 3.14% | 0.12% |
| Q4 2025 | $127.8M | $96.6M | $76.9M | $10.0M | $498K | 0.40% | 3.03% | 0.54% |
| Q3 2025 | $126.0M | $97.9M | $74.6M | $9.8M | $399K | 0.44% | 3.01% | 0.01% |
| Q2 2025 | $125.9M | $96.1M | $74.7M | $8.9M | $201K | 0.33% | 2.94% | 0.00% |
| Q1 2025 | $120.9M | $91.4M | $68.5M | $8.7M | $41K | 0.14% | 2.86% | 0.00% |
| Q4 2024 | $116.0M | $88.1M | $63.9M | $8.0M | $106K | 0.10% | 2.55% | 0.00% |
| Q3 2024 | $113.4M | $85.5M | $61.7M | $9.0M | $4K | 0.01% | 2.48% | 0.00% |
Loan mix (Q2 2026): real estate $75.3M · commercial $124K · consumer $3.6M · securities $39.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | KeySavings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 62.9% | 70th |
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 | KeySavings 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 | KeySavings 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 | KeySavings 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 | KeySavings 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.