| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.3 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.9M | $225.8M | $211.4M | $27.6M | $2.0M | 1.53% | 3.77% | 0.31% |
| Q1 2026 | $272.6M | $232.0M | $205.1M | $26.5M | $910K | 1.37% | 3.67% | 0.23% |
| Q4 2025 | $258.4M | $222.3M | $198.6M | $25.5M | $3.3M | 1.26% | 3.50% | 0.23% |
| Q3 2025 | $263.9M | $227.2M | $193.3M | $26.1M | $2.5M | 1.27% | 3.45% | 0.19% |
| Q2 2025 | $264.3M | $229.0M | $189.0M | $24.6M | $1.6M | 1.24% | 3.43% | 0.17% |
| Q1 2025 | $259.5M | $225.4M | $187.8M | $23.5M | $696K | 1.09% | 3.31% | 0.28% |
| Q4 2024 | $251.0M | $215.5M | $184.1M | $22.5M | $2.5M | 1.01% | 3.00% | 0.26% |
| Q3 2024 | $251.2M | $206.1M | $178.1M | $23.7M | $1.8M | 0.95% | 2.91% | 0.48% |
Loan mix (Q2 2026): real estate $139.3M · commercial $22.1M · consumer $8.0M · securities $32.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mediapolis Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 62.9% | 31th |
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 | Mediapolis 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 | Mediapolis 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 | Mediapolis 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 | Mediapolis 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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