| Metric | Newtown Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +1.6% | +5.9% | -4.4 pts |
| ROA | 0.75% | 1.26% | -0.5 pts |
| ROE | 8.6% | 12.2% | -3.5 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.87B | $1.57B | $1.51B | $167.1M | $7.1M | 0.75% | 3.34% | 0.30% |
| Q1 2026 | $1.93B | $1.63B | $1.47B | $163.3M | $3.4M | 0.73% | 3.26% | 0.37% |
| Q4 2025 | $1.87B | $1.58B | $1.47B | $160.5M | $15.7M | 0.85% | 3.29% | 0.41% |
| Q3 2025 | $1.89B | $1.61B | $1.49B | $156.0M | $11.0M | 0.80% | 3.27% | 0.31% |
| Q2 2025 | $1.83B | $1.49B | $1.49B | $150.2M | $6.6M | 0.72% | 3.24% | 0.36% |
| Q1 2025 | $1.83B | $1.54B | $1.43B | $146.0M | $3.5M | 0.78% | 3.18% | 0.29% |
| Q4 2024 | $1.81B | $1.50B | $1.43B | $141.0M | $5.9M | 0.32% | 2.76% | 0.17% |
| Q3 2024 | $1.87B | $1.57B | $1.38B | $140.6M | $3.1M | 0.22% | 2.66% | 0.16% |
Loan mix (Q2 2026): real estate $1.43B · commercial $84.6M · consumer $5.7M · securities $210.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Newtown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 59.0% | 83th |
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 | Newtown 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 | Newtown 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 | Newtown 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 | Newtown 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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