| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +6.7% | +5.3% | +1.3 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 11.2% | 12.4% | -1.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $857.9M | $784.5M | $635.3M | $66.0M | $3.6M | 0.85% | 4.04% | 0.20% |
| Q1 2026 | $848.9M | $776.7M | $612.9M | $64.5M | $1.7M | 0.79% | 3.94% | 0.38% |
| Q4 2025 | $838.9M | $766.8M | $602.1M | $63.5M | $6.3M | 0.78% | 3.82% | 0.40% |
| Q3 2025 | $819.4M | $750.6M | $603.7M | $61.2M | $4.5M | 0.75% | 3.77% | 0.20% |
| Q2 2025 | $805.9M | $738.3M | $595.7M | $58.5M | $2.9M | 0.72% | 3.71% | 0.17% |
| Q1 2025 | $800.8M | $736.6M | $587.3M | $56.5M | $1.3M | 0.65% | 3.63% | 0.23% |
| Q4 2024 | $777.9M | $717.0M | $585.0M | $53.7M | $5.4M | 0.71% | 3.45% | 0.26% |
| Q3 2024 | $794.6M | $707.5M | $582.9M | $54.7M | $4.0M | 0.70% | 3.42% | 0.25% |
Loan mix (Q2 2026): real estate $486.7M · commercial $42.1M · consumer $112.4M · securities $149.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Savings Bank of Walpole | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.4% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 61.2% | 80th |
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 | Savings Bank of Walpole | 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 | Savings Bank of Walpole | 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 | Savings Bank of Walpole | 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 | Savings Bank of Walpole | 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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