| Metric | Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $304.8M | $242.1M | $227.1M | $38.5M | $2.1M | 1.44% | 3.57% | 0.65% |
| Q1 2026 | $298.3M | $246.5M | $222.2M | $37.6M | $1.0M | 1.41% | 3.52% | 0.64% |
| Q4 2025 | $292.9M | $251.8M | $218.6M | $37.3M | $4.1M | 1.41% | 3.33% | 0.88% |
| Q3 2025 | $298.5M | $249.3M | $221.8M | $36.1M | $2.8M | 1.30% | 3.26% | 1.03% |
| Q2 2025 | $289.9M | $240.9M | $214.3M | $34.1M | $1.6M | 1.13% | 3.21% | 1.24% |
| Q1 2025 | $288.8M | $241.0M | $213.1M | $33.1M | $839K | 1.18% | 3.12% | 1.70% |
| Q4 2024 | $278.9M | $244.2M | $203.5M | $31.5M | $1.5M | 0.53% | 2.72% | 1.64% |
| Q3 2024 | $286.5M | $240.4M | $206.1M | $32.9M | $1.6M | 0.76% | 2.66% | 1.27% |
Loan mix (Q2 2026): real estate $99.4M · commercial $39.1M · consumer $4.0M · securities $65.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 62.9% | 15th |
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 | 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 | 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 | 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 | 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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