| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 0.38% | 1.24% | -0.9 pts |
| ROE | 3.5% | 11.9% | -8.4 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $373.4M | $298.1M | $196.6M | $41.3M | $714K | 0.38% | 1.72% | 0.00% |
| Q1 2026 | $381.3M | $298.9M | $202.0M | $41.4M | $345K | 0.36% | 1.62% | 0.00% |
| Q4 2025 | $383.2M | $300.5M | $200.1M | $41.7M | $-359K | -0.10% | 1.40% | 0.00% |
| Q3 2025 | $376.6M | $294.0M | $202.5M | $41.3M | $-436K | -0.16% | 1.35% | 0.01% |
| Q2 2025 | $366.6M | $285.4M | $201.8M | $40.1M | $-548K | -0.30% | 1.30% | 0.01% |
| Q1 2025 | $363.3M | $297.6M | $196.9M | $39.5M | $-489K | -0.54% | 1.22% | 0.26% |
| Q4 2024 | $362.0M | $297.0M | $196.7M | $38.9M | $-809K | -0.23% | 1.17% | 0.30% |
| Q3 2024 | $366.8M | $299.3M | $195.7M | $41.3M | $-488K | -0.18% | 1.16% | 0.28% |
Loan mix (Q2 2026): real estate $195.1M · commercial $0 · consumer $1.8M · securities $127.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Piscataqua Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 62.9% | 88th |
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 | Piscataqua 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 | Piscataqua 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 | Piscataqua 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 | Piscataqua 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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