| Metric | Montrose Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +3.0% | +7.6 pts |
| Deposit growth (YoY) | +10.4% | +2.5% | +7.9 pts |
| Loan growth (YoY) | +3.4% | +2.6% | +0.8 pts |
| ROA | 2.86% | 0.99% | +1.9 pts |
| ROE | 19.1% | 8.1% | +11.0 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.2M | $53.7M | $32.4M | $9.3M | $867K | 2.86% | 4.49% | 0.07% |
| Q1 2026 | $61.6M | $52.4M | $32.7M | $9.0M | $392K | 2.64% | 4.48% | 0.09% |
| Q4 2025 | $57.4M | $48.0M | $32.9M | $9.0M | $1.4M | 2.41% | 4.38% | 0.08% |
| Q3 2025 | $60.6M | $51.8M | $32.8M | $8.6M | $1.0M | 2.40% | 4.28% | 0.07% |
| Q2 2025 | $57.1M | $48.6M | $31.4M | $8.3M | $636K | 2.26% | 4.23% | 0.08% |
| Q1 2025 | $56.9M | $48.5M | $30.0M | $8.2M | $298K | 2.13% | 4.05% | 0.08% |
| Q4 2024 | $54.8M | $45.7M | $30.0M | $8.2M | $1.1M | 1.96% | 3.86% | 0.08% |
| Q3 2024 | $55.4M | $46.8M | $28.5M | $8.4M | $846K | 2.05% | 3.83% | 0.01% |
Loan mix (Q2 2026): real estate $25.3M · commercial $2.0M · consumer $1.6M · securities $21.7M
| Ratio | Montrose Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.86% | 0.99% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 8.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.7% | 70.8% | 2th |
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 | Montrose 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 | Montrose 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 | Montrose 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 | Montrose 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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