| Metric | New Haven Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 2.2% | 11.9% | -9.7 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $200.0M | $155.1M | $166.9M | $16.0M | $175K | 0.18% | 3.25% | 0.23% |
| Q1 2026 | $198.2M | $153.5M | $166.9M | $15.9M | $59K | 0.12% | 3.21% | 0.27% |
| Q4 2025 | $200.9M | $153.6M | $166.8M | $15.9M | $-27K | -0.01% | 2.85% | 0.26% |
| Q3 2025 | $193.6M | $146.0M | $165.0M | $15.7M | $-232K | -0.16% | 2.75% | 0.27% |
| Q2 2025 | $194.0M | $147.5M | $164.3M | $15.5M | $-311K | -0.32% | 2.63% | 0.27% |
| Q1 2025 | $197.9M | $145.1M | $165.5M | $15.6M | $-188K | -0.38% | 2.54% | 0.00% |
| Q4 2024 | $199.7M | $145.0M | $167.8M | $15.6M | $-4.0M | -2.05% | 2.50% | 0.00% |
| Q3 2024 | $194.8M | $138.0M | $165.2M | $19.0M | $-754K | -0.52% | 2.51% | 0.13% |
Loan mix (Q2 2026): real estate $113.4M · commercial $39.7M · consumer $15.8M · securities $13.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | New Haven Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 62.9% | 96th |
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 Haven 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 Haven 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 Haven 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 Haven 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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