| Metric | Sewickley Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +32.9% | +5.6% | +27.3 pts |
| ROA | 0.82% | 1.24% | -0.4 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $316.3M | $222.4M | $66.3M | $72.6M | $1.3M | 0.82% | 2.47% | 0.58% |
| Q1 2026 | $320.0M | $226.8M | $59.0M | $71.7M | $592K | 0.74% | 2.39% | 0.58% |
| Q4 2025 | $316.2M | $221.6M | $54.8M | $73.3M | $2.4M | 0.80% | 2.38% | 0.00% |
| Q3 2025 | $309.4M | $215.1M | $49.5M | $73.4M | $2.0M | 0.88% | 2.40% | 0.00% |
| Q2 2025 | $306.9M | $214.7M | $49.9M | $71.2M | $1.3M | 0.84% | 2.34% | 0.00% |
| Q1 2025 | $304.6M | $213.3M | $47.5M | $70.3M | $556K | 0.76% | 2.43% | 0.00% |
| Q4 2024 | $281.3M | $209.8M | $45.9M | $68.0M | $1.9M | 0.68% | 2.32% | 0.00% |
| Q3 2024 | $285.0M | $210.0M | $46.4M | $71.6M | $1.7M | 0.78% | 2.33% | 0.00% |
Loan mix (Q2 2026): real estate $58.3M · commercial $3.7M · consumer $104K · securities $212.4M
| Ratio | Sewickley Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
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 | Sewickley 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 | Sewickley Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sewickley 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 | Sewickley 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 | Sewickley Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025) · $222.4M branch deposits. Biggest market: Allegheny, PA, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 3 | $222.4M | 0.12% | 21st |
Pennsylvania: 154th with 0.03% · Pittsburgh metro: 36th, 0.10% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).