| Metric | Skowhegan Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Deposit growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | -0.2% | +5.3% | -5.5 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $855.0M | $715.3M | $610.6M | $124.0M | $6.7M | 1.58% | 3.93% | 0.30% |
| Q1 2026 | $843.5M | $711.9M | $609.7M | $119.6M | $2.0M | 0.93% | 3.88% | 0.28% |
| Q4 2025 | $841.6M | $709.4M | $607.4M | $117.8M | $9.0M | 1.07% | 3.74% | 0.32% |
| Q3 2025 | $842.1M | $716.2M | $605.2M | $114.8M | $7.0M | 1.11% | 3.69% | 0.27% |
| Q2 2025 | $843.1M | $706.7M | $611.6M | $110.1M | $4.1M | 0.98% | 3.62% | 0.23% |
| Q1 2025 | $842.8M | $725.2M | $615.7M | $106.8M | $1.6M | 0.76% | 3.55% | 0.21% |
| Q4 2024 | $841.4M | $726.1M | $604.6M | $102.6M | $7.5M | 0.86% | 3.19% | 0.21% |
| Q3 2024 | $870.7M | $721.9M | $599.6M | $105.7M | $5.9M | 0.89% | 3.09% | 0.20% |
Loan mix (Q2 2026): real estate $511.7M · commercial $53.8M · consumer $47.7M · securities $183.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Skowhegan Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 61.2% | 82th |
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 | Skowhegan 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 | Skowhegan 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 | Skowhegan 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 | Skowhegan 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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