| Metric | NSB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.4 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.1 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $460.8M | $400.6M | $329.9M | $38.9M | $2.2M | 0.92% | 3.08% | 0.49% |
| Q1 2026 | $479.0M | $415.0M | $336.4M | $37.9M | $955K | 0.81% | 3.00% | 0.47% |
| Q4 2025 | $468.6M | $400.2M | $341.6M | $38.5M | $5.7M | 1.22% | 2.89% | 0.31% |
| Q3 2025 | $469.4M | $401.7M | $329.1M | $38.0M | $4.4M | 1.26% | 2.83% | 0.49% |
| Q2 2025 | $470.5M | $405.3M | $334.1M | $35.6M | $2.7M | 1.17% | 2.73% | 0.46% |
| Q1 2025 | $469.7M | $405.2M | $326.9M | $34.5M | $1.5M | 1.28% | 2.75% | 0.40% |
| Q4 2024 | $462.8M | $396.0M | $330.1M | $32.8M | $4.6M | 1.01% | 2.62% | 0.06% |
| Q3 2024 | $474.7M | $402.2M | $325.3M | $34.7M | $3.4M | 1.01% | 2.61% | 0.06% |
Loan mix (Q2 2026): real estate $206.0M · commercial $60.5M · consumer $4.9M · securities $83.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | NSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 62.9% | 25th |
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 | NSB 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 | NSB 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 | NSB 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 | NSB 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.