| Metric | Keystone Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 0.50% | 1.24% | -0.7 pts |
| ROE | 4.8% | 11.9% | -7.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $200.8M | $168.7M | $124.4M | $20.9M | $501K | 0.50% | 3.41% | 0.91% |
| Q1 2026 | $210.0M | $177.8M | $119.2M | $21.0M | $164K | 0.32% | 3.36% | 0.86% |
| Q4 2025 | $195.1M | $163.1M | $117.1M | $20.8M | $1.3M | 0.68% | 3.37% | 0.95% |
| Q3 2025 | $208.4M | $176.3M | $115.4M | $20.6M | $1.1M | 0.78% | 3.37% | 0.86% |
| Q2 2025 | $194.4M | $164.2M | $115.5M | $18.9M | $734K | 0.77% | 3.40% | 0.93% |
| Q1 2025 | $203.3M | $173.0M | $109.8M | $18.9M | $416K | 0.88% | 3.40% | 0.88% |
| Q4 2024 | $176.4M | $146.9M | $108.3M | $18.3M | $1.2M | 0.64% | 3.25% | 1.80% |
| Q3 2024 | $190.2M | $159.7M | $110.0M | $19.2M | $861K | 0.63% | 3.21% | 1.67% |
Loan mix (Q2 2026): real estate $95.7M · commercial $24.1M · consumer $1.7M · securities $63.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Keystone Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 62.9% | 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 | Keystone 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 | Keystone 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 | Keystone 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 | Keystone 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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