| Metric | Spratt Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.0 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -1.4% | +5.6% | -7.0 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 0.9% | 11.9% | -11.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.4M | $123.0M | $47.4M | $31.0M | $136K | 0.18% | 3.03% | 0.07% |
| Q1 2026 | $150.3M | $119.0M | $45.7M | $30.9M | $63K | 0.17% | 2.99% | 0.08% |
| Q4 2025 | $150.3M | $119.1M | $46.5M | $30.9M | $342K | 0.23% | 2.86% | 0.08% |
| Q3 2025 | $149.9M | $118.8M | $47.3M | $30.8M | $255K | 0.23% | 2.83% | 0.08% |
| Q2 2025 | $148.0M | $117.0M | $48.1M | $30.7M | $166K | 0.23% | 2.78% | 0.09% |
| Q1 2025 | $144.6M | $113.7M | $48.4M | $30.5M | $62K | 0.17% | 2.72% | 0.10% |
| Q4 2024 | $142.5M | $111.8M | $45.7M | $30.4M | $136K | 0.09% | 2.48% | 0.10% |
| Q3 2024 | $144.7M | $113.8M | $46.2M | $30.5M | $111K | 0.10% | 2.44% | 0.10% |
Loan mix (Q2 2026): real estate $44.0M · commercial $2.9M · consumer $496K · securities $82.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Spratt Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 62.9% | 95th |
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 | Spratt 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 | Spratt 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 | Spratt 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 | Spratt 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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