| Metric | Mutual Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.4% | +5.1 pts |
| Deposit growth (YoY) | +16.4% | +4.0% | +12.4 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.2 pts |
| ROA | 0.88% | 1.24% | -0.4 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $352.9M | $284.3M | $220.7M | $25.2M | $1.5M | 0.88% | 3.21% | 0.00% |
| Q1 2026 | $349.3M | $282.2M | $217.1M | $23.7M | $707K | 0.81% | 3.13% | 0.00% |
| Q4 2025 | $349.0M | $280.3M | $218.3M | $22.5M | $2.3M | 0.69% | 3.06% | 0.11% |
| Q3 2025 | $349.0M | $268.2M | $211.5M | $21.0M | $1.6M | 0.67% | 3.04% | 0.00% |
| Q2 2025 | $322.4M | $244.3M | $209.5M | $18.6M | $1.1M | 0.67% | 3.07% | 0.54% |
| Q1 2025 | $314.1M | $245.3M | $203.7M | $19.3M | $557K | 0.71% | 3.06% | 0.56% |
| Q4 2024 | $312.1M | $241.0M | $205.5M | $18.8M | $1.7M | 0.55% | 2.83% | 0.58% |
| Q3 2024 | $324.4M | $248.2M | $204.2M | $20.8M | $1.1M | 0.48% | 2.79% | 0.55% |
Loan mix (Q2 2026): real estate $204.1M · commercial $15.2M · consumer $2.5M · securities $77.9M
| Ratio | Mutual Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 62.9% | 71th |
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 | Mutual 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 | Mutual 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 | Mutual 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 | Mutual 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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