| Metric | Sawyer Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.3 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 0.30% | 1.24% | -0.9 pts |
| ROE | 2.9% | 11.9% | -8.9 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $284.7M | $234.2M | $221.6M | $29.2M | $426K | 0.30% | 3.21% | 2.02% |
| Q1 2026 | $278.8M | $228.5M | $218.9M | $29.0M | $212K | 0.30% | 3.22% | 0.95% |
| Q4 2025 | $288.0M | $237.9M | $220.0M | $28.9M | $772K | 0.27% | 2.94% | 1.00% |
| Q3 2025 | $281.1M | $231.4M | $222.3M | $28.5M | $609K | 0.29% | 2.95% | 1.63% |
| Q2 2025 | $285.9M | $237.3M | $226.1M | $27.9M | $383K | 0.27% | 2.91% | 1.28% |
| Q1 2025 | $283.4M | $234.1M | $226.2M | $27.9M | $224K | 0.31% | 2.92% | 0.68% |
| Q4 2024 | $287.2M | $238.1M | $229.4M | $27.4M | $735K | 0.25% | 2.82% | 0.84% |
| Q3 2024 | $287.0M | $237.3M | $230.8M | $27.6M | $456K | 0.21% | 2.82% | 1.12% |
Loan mix (Q2 2026): real estate $216.4M · commercial $4.5M · consumer $149K · securities $34.4M
| Ratio | Sawyer Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 62.9% | 92th |
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 | Sawyer 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 | Sawyer 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 | Sawyer 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 | Sawyer 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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