| Metric | Mercer Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 0.79% | 1.24% | -0.4 pts |
| ROE | 6.1% | 11.9% | -5.7 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.2M | $146.4M | $151.0M | $22.9M | $692K | 0.79% | 4.53% | 0.07% |
| Q1 2026 | $174.2M | $148.7M | $148.4M | $22.6M | $347K | 0.80% | 4.56% | 0.16% |
| Q4 2025 | $174.4M | $149.4M | $149.7M | $22.2M | $1.1M | 0.64% | 4.26% | 0.47% |
| Q3 2025 | $176.4M | $146.3M | $150.8M | $21.9M | $917K | 0.69% | 4.23% | 0.90% |
| Q2 2025 | $176.0M | $142.4M | $152.3M | $21.3M | $516K | 0.58% | 4.14% | 0.46% |
| Q1 2025 | $180.5M | $141.6M | $154.0M | $21.0M | $117K | 0.26% | 3.97% | 0.53% |
| Q4 2024 | $180.9M | $136.8M | $155.9M | $20.9M | $912K | 0.52% | 3.69% | 0.48% |
| Q3 2024 | $181.8M | $137.6M | $155.6M | $20.8M | $656K | 0.50% | 3.62% | 0.27% |
Loan mix (Q2 2026): real estate $141.6M · commercial $1.1M · consumer $9.5M · securities $9.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mercer Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 62.9% | 83th |
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 | Mercer 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 | Mercer 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 | Mercer 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 | Mercer 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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