| Metric | Schuyler Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.4% | +5.2 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.6 pts |
| ROA | 0.20% | 1.24% | -1.0 pts |
| ROE | 1.4% | 11.9% | -10.5 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.2M | $118.0M | $127.0M | $21.1M | $146K | 0.20% | 2.60% | 0.30% |
| Q1 2026 | $149.7M | $116.6M | $121.7M | $21.0M | $77K | 0.21% | 2.54% | 0.36% |
| Q4 2025 | $147.4M | $114.5M | $125.0M | $21.1M | $253K | 0.18% | 2.44% | 0.36% |
| Q3 2025 | $138.4M | $107.5M | $109.9M | $21.0M | $131K | 0.13% | 2.36% | 0.45% |
| Q2 2025 | $138.0M | $107.3M | $112.2M | $20.9M | $51K | 0.07% | 2.27% | 0.47% |
| Q1 2025 | $139.2M | $108.5M | $114.0M | $20.9M | $16K | 0.05% | 2.21% | 0.73% |
| Q4 2024 | $139.0M | $108.4M | $113.9M | $21.0M | $-144K | -0.11% | 1.99% | 0.73% |
| Q3 2024 | $137.8M | $107.1M | $113.0M | $21.0M | $-139K | -0.14% | 1.93% | 0.77% |
Loan mix (Q2 2026): real estate $128.0M · commercial $0 · consumer $42K · securities $7.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Schuyler Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 62.9% | 94th |
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 | Schuyler 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 | Schuyler 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 | Schuyler 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 | Schuyler 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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