| Metric | Marblehead Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.3 pts |
| Loan growth (YoY) | 0.0% | +5.6% | -5.6 pts |
| ROA | 0.44% | 1.24% | -0.8 pts |
| ROE | 4.4% | 11.9% | -7.4 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $262.5M | $229.4M | $211.4M | $26.4M | $584K | 0.44% | 3.99% | 0.24% |
| Q1 2026 | $263.0M | $230.2M | $211.2M | $26.2M | $293K | 0.44% | 3.94% | 0.41% |
| Q4 2025 | $266.7M | $234.4M | $209.1M | $26.3M | $1.1M | 0.41% | 3.92% | 0.17% |
| Q3 2025 | $254.4M | $222.7M | $210.1M | $26.0M | $779K | 0.40% | 3.94% | 0.09% |
| Q2 2025 | $257.0M | $225.6M | $211.4M | $25.6M | $490K | 0.37% | 3.91% | 0.09% |
| Q1 2025 | $269.9M | $238.6M | $207.7M | $25.4M | $318K | 0.48% | 3.87% | 0.09% |
| Q4 2024 | $260.7M | $229.8M | $211.3M | $24.3M | $1.0M | 0.39% | 3.91% | 0.10% |
| Q3 2024 | $256.7M | $225.8M | $208.2M | $24.1M | $800K | 0.41% | 3.93% | 0.09% |
Loan mix (Q2 2026): real estate $210.8M · commercial $1.1M · consumer $720K · securities $15.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Marblehead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 62.9% | 91th |
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 | Marblehead 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 | Marblehead 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 | Marblehead 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 | Marblehead 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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