| Metric | Monroe Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.9 pts |
| Loan growth (YoY) | -4.1% | +5.6% | -9.7 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 5.0% | 11.9% | -6.9 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.0M | $87.2M | $86.2M | $15.8M | $388K | 0.68% | 3.42% | 0.39% |
| Q1 2026 | $113.2M | $86.7M | $85.2M | $15.6M | $196K | 0.69% | 3.39% | 0.20% |
| Q4 2025 | $114.5M | $88.1M | $87.0M | $15.5M | $604K | 0.54% | 3.53% | 0.17% |
| Q3 2025 | $111.5M | $85.5M | $89.7M | $15.3M | $411K | 0.50% | 3.54% | 0.51% |
| Q2 2025 | $110.2M | $84.6M | $89.9M | $15.0M | $236K | 0.43% | 3.49% | 0.61% |
| Q1 2025 | $110.8M | $85.3M | $91.2M | $14.9M | $101K | 0.37% | 3.44% | 0.28% |
| Q4 2024 | $108.1M | $82.7M | $90.9M | $14.8M | $273K | 0.25% | 3.31% | 0.31% |
| Q3 2024 | $114.7M | $83.7M | $90.8M | $14.7M | $195K | 0.23% | 3.29% | 0.38% |
Loan mix (Q2 2026): real estate $62.0M · commercial $905K · consumer $24.2M · securities $6.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Monroe Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 62.9% | 73th |
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 | Monroe 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 | Monroe 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 | Monroe 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 | Monroe 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.