| Metric | Monson Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +7.3% | +5.3% | +1.9 pts |
| ROA | 0.99% | 1.28% | -0.3 pts |
| ROE | 10.7% | 12.4% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $806.3M | $721.9M | $633.7M | $75.7M | $3.9M | 0.99% | 3.49% | 0.18% |
| Q1 2026 | $814.0M | $733.3M | $632.9M | $72.8M | $1.8M | 0.93% | 3.40% | 0.08% |
| Q4 2025 | $753.7M | $652.1M | $623.1M | $71.7M | $6.3M | 0.85% | 3.36% | 0.06% |
| Q3 2025 | $747.8M | $670.7M | $602.8M | $69.5M | $4.7M | 0.84% | 3.29% | 0.08% |
| Q2 2025 | $749.0M | $675.5M | $590.6M | $66.4M | $2.9M | 0.79% | 3.21% | 0.10% |
| Q1 2025 | $741.5M | $668.1M | $567.6M | $65.5M | $1.2M | 0.66% | 3.07% | 0.08% |
| Q4 2024 | $716.0M | $640.6M | $557.7M | $64.1M | $5.1M | 0.73% | 3.04% | 0.08% |
| Q3 2024 | $721.6M | $649.0M | $561.2M | $64.0M | $3.6M | 0.69% | 2.98% | 0.10% |
Loan mix (Q2 2026): real estate $595.4M · commercial $39.0M · consumer $1.4M · securities $67.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Monson Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 61.2% | 66th |
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 | Monson 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 | Monson 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 | Monson 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 | Monson 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.