| Metric | Norway Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.5% | -0.8 pts |
| Deposit growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Loan growth (YoY) | +10.9% | +5.9% | +5.0 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 10.2% | 12.2% | -1.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.16B | $1.57B | $1.62B | $268.7M | $13.4M | 1.28% | 3.72% | 0.22% |
| Q1 2026 | $2.08B | $1.61B | $1.55B | $261.3M | $4.5M | 0.87% | 3.59% | 0.18% |
| Q4 2025 | $2.08B | $1.59B | $1.54B | $257.6M | $20.5M | 1.00% | 3.37% | 0.50% |
| Q3 2025 | $2.10B | $1.62B | $1.50B | $251.1M | $16.5M | 1.08% | 3.31% | 0.38% |
| Q2 2025 | $2.06B | $1.59B | $1.46B | $238.7M | $8.7M | 0.86% | 3.24% | 0.49% |
| Q1 2025 | $2.03B | $1.59B | $1.44B | $230.0M | $1.7M | 0.34% | 3.17% | 0.52% |
| Q4 2024 | $1.99B | $1.53B | $1.42B | $221.4M | $17.2M | 0.90% | 3.11% | 0.49% |
| Q3 2024 | $1.98B | $1.56B | $1.39B | $230.6M | $13.7M | 0.96% | 3.07% | 0.48% |
Loan mix (Q2 2026): real estate $1.40B · commercial $118.4M · consumer $93.2M · securities $392.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Norway Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 59.0% | 73th |
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 | Norway 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 | Norway 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 | Norway 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 | Norway 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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