| Metric | Stafford Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.0% | +4.9% | +8.1 pts |
| Deposit growth (YoY) | +7.6% | +4.3% | +3.2 pts |
| Loan growth (YoY) | -0.6% | +5.3% | -5.9 pts |
| ROA | 8.23% | 1.28% | +7.0 pts |
| ROE | 17.3% | 12.4% | +4.9 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $507.0M | $202.3M | $65.4M | $248.1M | $20.4M | 8.23% | 2.37% | 0.07% |
| Q1 2026 | $507.6M | $225.7M | $65.2M | $231.0M | $3.1M | 2.50% | 2.34% | 0.03% |
| Q4 2025 | $475.4M | $196.7M | $66.1M | $228.5M | $24.7M | 5.51% | 2.48% | 0.05% |
| Q3 2025 | $459.2M | $187.1M | $65.6M | $223.4M | $19.9M | 6.01% | 2.48% | 0.06% |
| Q2 2025 | $448.8M | $188.0M | $65.7M | $214.8M | $11.6M | 5.33% | 2.51% | 0.05% |
| Q1 2025 | $431.2M | $184.5M | $64.1M | $203.9M | $1.2M | 1.13% | 2.46% | 0.05% |
| Q4 2024 | $424.9M | $181.0M | $63.7M | $201.0M | $23.6M | 5.67% | 2.62% | 0.05% |
| Q3 2024 | $429.4M | $179.8M | $63.1M | $205.1M | $26.9M | 8.66% | 2.64% | 0.05% |
Loan mix (Q2 2026): real estate $65.2M · commercial $0 · consumer $1.4M · securities $352.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Stafford Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.23% | 1.28% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 61.2% | 21th |
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 | Stafford 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 | Stafford 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 | Stafford 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 | Stafford 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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