| Metric | Nashville Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.4 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.9M | $93.9M | $68.4M | $13.8M | $744K | 1.39% | 3.41% | 0.00% |
| Q1 2026 | $108.9M | $95.0M | $67.1M | $13.4M | $344K | 1.29% | 3.29% | 0.00% |
| Q4 2025 | $104.2M | $90.7M | $67.4M | $13.2M | $1.2M | 1.21% | 3.24% | 0.00% |
| Q3 2025 | $101.6M | $88.4M | $66.8M | $12.8M | $929K | 1.23% | 3.22% | 0.00% |
| Q2 2025 | $101.1M | $88.2M | $67.0M | $12.5M | $637K | 1.27% | 3.20% | 0.00% |
| Q1 2025 | $101.8M | $89.2M | $65.0M | $12.1M | $322K | 1.29% | 3.15% | 0.00% |
| Q4 2024 | $97.7M | $85.7M | $64.3M | $11.7M | $1.1M | 1.12% | 3.16% | 0.00% |
| Q3 2024 | $95.2M | $83.2M | $63.0M | $11.6M | $834K | 1.19% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $55.3M · commercial $9.2M · consumer $4.1M · securities $27.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Nashville Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
24th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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 | Nashville 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 | Nashville 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 | Nashville 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 | Nashville 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.