| Metric | Sovereign Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.5% | +8.3 pts |
| Deposit growth (YoY) | +12.3% | +5.1% | +7.2 pts |
| Loan growth (YoY) | +20.4% | +5.9% | +14.5 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 5.8% | 12.2% | -6.4 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.19B | $1.19B | $156.8M | $4.5M | 0.63% | 4.22% | 0.05% |
| Q1 2026 | $1.40B | $1.14B | $1.09B | $155.8M | $2.2M | 0.65% | 4.13% | 0.04% |
| Q4 2025 | $1.36B | $1.12B | $1.05B | $154.1M | $9.8M | 0.77% | 4.29% | 0.02% |
| Q3 2025 | $1.32B | $1.07B | $1.02B | $149.8M | $7.5M | 0.80% | 4.33% | 0.00% |
| Q2 2025 | $1.30B | $1.06B | $988.7M | $143.2M | $4.9M | 0.80% | 4.30% | 0.00% |
| Q1 2025 | $1.21B | $1.04B | $953.8M | $132.0M | $2.3M | 0.76% | 4.19% | 0.00% |
| Q4 2024 | $1.20B | $1.03B | $919.1M | $122.8M | $5.8M | 0.54% | 4.47% | 0.04% |
| Q3 2024 | $1.10B | $886.2M | $867.7M | $120.7M | $4.4M | 0.56% | 4.56% | 0.04% |
Loan mix (Q2 2026): real estate $881.3M · commercial $203.8M · consumer $5.1M · securities $154.4M
| Ratio | Sovereign Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 59.0% | 88th |
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 | Sovereign 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 | Sovereign 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 | Sovereign 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 | Sovereign 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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