| Metric | Martha's Vineyard Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +5.5% | -4.4 pts |
| Deposit growth (YoY) | +1.0% | +5.1% | -4.1 pts |
| Loan growth (YoY) | -0.5% | +5.9% | -6.4 pts |
| ROA | 0.65% | 1.26% | -0.6 pts |
| ROE | 5.9% | 12.2% | -6.3 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 | $1.33B | $1.07B | $1.12B | $147.2M | $4.3M | 0.65% | 3.14% | 0.07% |
| Q1 2026 | $1.30B | $1.04B | $1.11B | $144.8M | $2.1M | 0.65% | 3.10% | 0.06% |
| Q4 2025 | $1.28B | $1.04B | $1.11B | $142.1M | $8.6M | 0.66% | 2.89% | 0.06% |
| Q3 2025 | $1.30B | $1.10B | $1.12B | $141.2M | $5.8M | 0.59% | 2.77% | 0.47% |
| Q2 2025 | $1.31B | $1.06B | $1.12B | $137.8M | $3.4M | 0.52% | 2.66% | 0.04% |
| Q1 2025 | $1.29B | $1.03B | $1.12B | $135.8M | $1.7M | 0.52% | 2.58% | 0.01% |
| Q4 2024 | $1.31B | $1.03B | $1.13B | $132.3M | $3.6M | 0.27% | 2.32% | 0.01% |
| Q3 2024 | $1.31B | $1.05B | $1.13B | $135.7M | $2.9M | 0.30% | 2.24% | 0.01% |
Loan mix (Q2 2026): real estate $1.10B · commercial $17.7M · consumer $5.0M · securities $110.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Martha's Vineyard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 59.0% | 88th |
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 | Martha's Vineyard 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 | Martha's Vineyard 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 | Martha's Vineyard 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 | Martha's Vineyard 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.