| Metric | Seamen's Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $478.5M | $405.4M | $363.1M | $58.5M | $1.4M | 0.60% | 3.94% | 0.58% |
| Q1 2026 | $469.3M | $404.7M | $357.6M | $58.2M | $853K | 0.73% | 3.92% | 0.26% |
| Q4 2025 | $467.8M | $409.6M | $362.2M | $57.8M | $2.5M | 0.52% | 3.70% | 0.29% |
| Q3 2025 | $491.4M | $434.3M | $360.7M | $56.8M | $1.6M | 0.45% | 3.58% | 0.29% |
| Q2 2025 | $468.0M | $411.6M | $354.1M | $56.0M | $853K | 0.36% | 3.49% | 0.54% |
| Q1 2025 | $472.6M | $417.1M | $340.7M | $55.3M | $628K | 0.53% | 3.47% | 0.46% |
| Q4 2024 | $467.9M | $413.4M | $337.2M | $54.2M | $2.3M | 0.51% | 3.55% | 0.63% |
| Q3 2024 | $480.0M | $425.6M | $331.6M | $53.9M | $1.7M | 0.50% | 3.52% | 0.39% |
Loan mix (Q2 2026): real estate $360.0M · commercial $5.2M · consumer $19K · securities $75.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Seamen's Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 62.9% | 86th |
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 | Seamen's 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 | Seamen's 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 | Seamen's 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 | Seamen's 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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