| Metric | Lusitania Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +1.5% | +5.6% | -4.1 pts |
| ROA | 0.48% | 1.24% | -0.8 pts |
| ROE | 3.3% | 11.9% | -8.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $418.1M | $353.5M | $226.1M | $60.0M | $980K | 0.48% | 2.42% | 0.10% |
| Q1 2026 | $411.3M | $347.2M | $223.1M | $59.6M | $486K | 0.48% | 2.41% | 0.10% |
| Q4 2025 | $403.7M | $340.1M | $223.0M | $59.2M | $1.4M | 0.37% | 2.30% | 0.11% |
| Q3 2025 | $394.9M | $331.9M | $227.8M | $58.9M | $1.2M | 0.42% | 2.28% | 0.11% |
| Q2 2025 | $394.3M | $331.4M | $222.7M | $58.0M | $685K | 0.35% | 2.17% | 0.10% |
| Q1 2025 | $390.3M | $328.5M | $225.4M | $57.4M | $312K | 0.32% | 2.08% | 0.24% |
| Q4 2024 | $381.5M | $321.0M | $225.9M | $56.7M | $818K | 0.21% | 1.94% | 0.25% |
| Q3 2024 | $385.3M | $319.2M | $226.4M | $57.3M | $699K | 0.24% | 1.91% | 0.28% |
Loan mix (Q2 2026): real estate $227.4M · commercial $139K · consumer $1.2M · securities $129.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lusitania Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 62.9% | 74th |
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 | Lusitania 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 | Lusitania 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 | Lusitania 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 | Lusitania 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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