| Metric | Maynard Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -1.7% | +4.0% | -5.7 pts |
| Loan growth (YoY) | -2.1% | +5.6% | -7.7 pts |
| ROA | 1.17% | 1.24% | -0.1 pts |
| ROE | 9.9% | 11.9% | -1.9 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.4M | $88.2M | $47.4M | $13.2M | $647K | 1.17% | 2.75% | 0.78% |
| Q1 2026 | $111.8M | $92.0M | $48.7M | $12.7M | $276K | 0.99% | 2.60% | 0.78% |
| Q4 2025 | $110.8M | $90.6M | $48.4M | $13.2M | $912K | 0.84% | 2.39% | 0.81% |
| Q3 2025 | $109.8M | $90.2M | $49.0M | $12.5M | $616K | 0.76% | 2.31% | 0.63% |
| Q2 2025 | $108.5M | $89.7M | $48.4M | $11.7M | $371K | 0.69% | 2.23% | 0.60% |
| Q1 2025 | $108.0M | $87.4M | $49.3M | $11.0M | $153K | 0.57% | 2.14% | 0.48% |
| Q4 2024 | $106.8M | $89.2M | $48.9M | $10.0M | $480K | 0.44% | 2.00% | 0.42% |
| Q3 2024 | $109.5M | $91.1M | $47.7M | $10.8M | $297K | 0.36% | 1.96% | 0.48% |
Loan mix (Q2 2026): real estate $37.4M · commercial $5.8M · consumer $2.5M · securities $54.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Maynard Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 62.9% | 33rd |
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 | Maynard 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 | Maynard Savings Bank | 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 | Maynard 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 | Maynard 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 | Maynard Savings 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.
Technology spend down 26% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
3 branches in 2 counties across 1 state (+0 vs 2025) · $88.2M branch deposits. Biggest market: Fayette, IA, ranked 6th with 8.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, IA | 2 | $66.7M | 8.20% | 6th |
| Buchanan, IA | 1 | $21.5M | 2.22% | 7th |
Iowa: 245th with 0.06% ·
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3