| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.2 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 1.09% | 1.24% | -0.2 pts |
| ROE | 7.3% | 11.9% | -4.6 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $199.9M | $148.2M | $180.3M | $30.4M | $1.1M | 1.09% | 3.62% | 1.37% |
| Q1 2026 | $200.6M | $149.5M | $180.3M | $29.8M | $496K | 0.99% | 3.55% | 1.41% |
| Q4 2025 | $199.9M | $147.3M | $180.0M | $29.3M | $1.7M | 0.87% | 3.38% | 1.24% |
| Q3 2025 | $194.4M | $146.1M | $176.4M | $28.9M | $1.3M | 0.91% | 3.33% | 1.48% |
| Q2 2025 | $188.8M | $147.1M | $169.4M | $28.3M | $727K | 0.78% | 3.25% | 1.68% |
| Q1 2025 | $187.2M | $146.0M | $167.9M | $27.9M | $303K | 0.65% | 3.23% | 1.41% |
| Q4 2024 | $186.7M | $142.8M | $167.7M | $27.6M | $1.2M | 0.65% | 3.13% | 1.35% |
| Q3 2024 | $190.9M | $140.4M | $166.7M | $27.2M | $844K | 0.60% | 3.12% | 1.45% |
Loan mix (Q2 2026): real estate $161.8M · commercial $848K · consumer $18.9M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Massena Savings and Loan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.9% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 | Massena Savings and Loan | 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 | Massena Savings and Loan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Massena Savings and Loan | 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 | Massena Savings and Loan | 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 | Massena Savings and Loan | 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.
2 branches in 1 county across 1 state (+0 vs 2024) · $147.1M branch deposits. Biggest market: St. Lawrence, NY, ranked 7th with 6.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Lawrence, NY | 2 | $147.1M | 6.34% | 7th |
New York: 203rd with 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2