| Metric | Somerville Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | -0.7% | +5.6% | -6.3 pts |
| ROA | 0.74% | 1.24% | -0.5 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.6M | $260.7M | $197.9M | $23.0M | $1.1M | 0.74% | 3.34% | 0.76% |
| Q1 2026 | $294.3M | $265.7M | $200.2M | $21.5M | $459K | 0.63% | 3.22% | 0.97% |
| Q4 2025 | $286.7M | $257.8M | $204.4M | $21.7M | $1.6M | 0.58% | 3.17% | 0.82% |
| Q3 2025 | $280.4M | $252.3M | $196.9M | $20.7M | $1.1M | 0.56% | 3.16% | 1.19% |
| Q2 2025 | $275.6M | $249.3M | $199.4M | $18.8M | $797K | 0.59% | 3.12% | 0.41% |
| Q1 2025 | $272.2M | $245.6M | $188.7M | $18.9M | $432K | 0.64% | 3.04% | 1.01% |
| Q4 2024 | $266.8M | $234.2M | $189.3M | $19.6M | $1.5M | 0.56% | 2.94% | 0.79% |
| Q3 2024 | $263.5M | $225.0M | $185.8M | $20.3M | $986K | 0.50% | 2.93% | 0.84% |
Loan mix (Q2 2026): real estate $153.3M · commercial $32.6M · consumer $4.1M · securities $71.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Somerville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 62.9% | 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 | Somerville 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 | Somerville 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 | Somerville 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 | Somerville 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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