| Metric | New Albin Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.1 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $350.6M | $296.6M | $117.4M | $51.9M | $1.8M | 1.04% | 1.95% | 0.00% |
| Q1 2026 | $348.3M | $295.5M | $116.6M | $51.6M | $876K | 1.01% | 1.89% | 0.02% |
| Q4 2025 | $343.9M | $289.4M | $114.7M | $51.7M | $2.9M | 0.87% | 1.76% | 0.00% |
| Q3 2025 | $340.7M | $286.1M | $114.4M | $51.4M | $2.1M | 0.86% | 1.73% | 0.01% |
| Q2 2025 | $337.3M | $282.5M | $112.4M | $48.8M | $1.4M | 0.84% | 1.67% | 0.01% |
| Q1 2025 | $331.3M | $280.5M | $111.2M | $47.8M | $657K | 0.80% | 1.63% | 0.04% |
| Q4 2024 | $324.5M | $273.7M | $113.1M | $45.9M | $2.6M | 0.82% | 1.61% | 0.01% |
| Q3 2024 | $324.8M | $269.2M | $113.6M | $50.3M | $2.1M | 0.86% | 1.61% | 0.01% |
Loan mix (Q2 2026): real estate $95.2M · commercial $6.5M · consumer $3.7M · securities $226.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | New Albin Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 1.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.6% | 62.9% | 1st |
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 | New Albin 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 | New Albin Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | New Albin 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 | New Albin 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 | New Albin 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $296.6M branch deposits. Biggest market: Allamakee, IA, ranked 1st with 34.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allamakee, IA | 1 | $296.6M | 34.58% | 1st |
Iowa: 110th with 0.19% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).