| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Deposit growth (YoY) | +7.3% | +4.3% | +3.0 pts |
| Loan growth (YoY) | +3.2% | +5.3% | -2.1 pts |
| ROA | 1.35% | 1.28% | +0.1 pts |
| ROE | 10.2% | 12.4% | -2.2 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 | $934.5M | $753.0M | $648.0M | $127.1M | $6.3M | 1.35% | 3.31% | 1.07% |
| Q1 2026 | $925.4M | $743.1M | $650.8M | $121.9M | $1.1M | 0.45% | 3.22% | 1.08% |
| Q4 2025 | $942.4M | $761.6M | $645.1M | $121.0M | $6.5M | 0.72% | 3.16% | 1.02% |
| Q3 2025 | $905.7M | $722.1M | $631.2M | $119.2M | $4.9M | 0.74% | 3.14% | 1.00% |
| Q2 2025 | $882.5M | $701.6M | $627.8M | $116.1M | $2.7M | 0.61% | 3.11% | 0.95% |
| Q1 2025 | $879.3M | $701.7M | $621.0M | $113.1M | $96K | 0.04% | 3.09% | 1.00% |
| Q4 2024 | $894.1M | $717.0M | $636.4M | $111.7M | $7.0M | 0.81% | 3.02% | 1.07% |
| Q3 2024 | $881.2M | $697.2M | $619.0M | $113.5M | $6.1M | 0.95% | 2.99% | 1.14% |
Loan mix (Q2 2026): real estate $575.5M · commercial $28.9M · consumer $34.3M · securities $145.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Passumpsic Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 61.2% | 94th |
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 | Passumpsic 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 | Passumpsic 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 | Passumpsic 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 | Passumpsic 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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