| Metric | Osgood Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.1 pts |
| Loan growth (YoY) | -0.4% | +5.6% | -6.0 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 15.8% | 11.9% | +4.0 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $485.8M | $437.3M | $297.9M | $42.8M | $3.2M | 1.29% | 3.74% | 0.24% |
| Q1 2026 | $514.1M | $452.5M | $282.0M | $40.9M | $1.6M | 1.24% | 3.54% | 0.36% |
| Q4 2025 | $508.5M | $448.3M | $292.2M | $39.2M | $5.7M | 1.15% | 3.71% | 0.43% |
| Q3 2025 | $499.7M | $439.5M | $301.1M | $39.2M | $4.5M | 1.22% | 3.67% | 0.40% |
| Q2 2025 | $483.1M | $425.0M | $299.3M | $37.3M | $3.0M | 1.24% | 3.67% | 0.15% |
| Q1 2025 | $490.9M | $428.9M | $298.5M | $35.7M | $1.4M | 1.18% | 3.56% | 0.00% |
| Q4 2024 | $491.6M | $431.4M | $300.3M | $34.4M | $4.8M | 1.07% | 3.43% | 0.00% |
| Q3 2024 | $493.4M | $428.3M | $300.6M | $34.3M | $3.4M | 1.02% | 3.38% | 0.00% |
Loan mix (Q2 2026): real estate $136.2M · commercial $161.4M · consumer $1.4M · securities $120.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Osgood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 62.9% | 43th |
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 | Osgood 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 | Osgood 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 | Osgood 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 | Osgood 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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