| Metric | Ridgewood Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.5% | -2.2 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +1.0% | +5.9% | -4.9 pts |
| ROA | 0.70% | 1.26% | -0.6 pts |
| ROE | 5.5% | 12.2% | -6.6 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.55B | $6.01B | $4.84B | $962.5M | $26.3M | 0.70% | 2.13% | 1.19% |
| Q1 2026 | $7.54B | $6.01B | $4.83B | $948.4M | $9.7M | 0.52% | 2.12% | 1.06% |
| Q4 2025 | $7.48B | $5.93B | $4.85B | $940.9M | $36.7M | 0.50% | 1.94% | 1.03% |
| Q3 2025 | $7.38B | $5.85B | $4.83B | $919.8M | $27.5M | 0.50% | 1.87% | 1.15% |
| Q2 2025 | $7.31B | $5.78B | $4.79B | $900.1M | $15.9M | 0.44% | 1.84% | 1.27% |
| Q1 2025 | $7.30B | $5.77B | $4.73B | $881.9M | $5.3M | 0.29% | 1.80% | 1.14% |
| Q4 2024 | $7.19B | $5.68B | $4.68B | $860.9M | $25.2M | 0.36% | 1.73% | 1.12% |
| Q3 2024 | $7.17B | $5.63B | $4.63B | $864.9M | $22.8M | 0.43% | 1.73% | 1.08% |
Loan mix (Q2 2026): real estate $4.84B · commercial $2.8M · consumer $21.3M · securities $1.75B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ridgewood Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.13% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 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 | Ridgewood 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 | Ridgewood 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 | Ridgewood 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 | Ridgewood 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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