| Metric | Sturdy Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.6 pts |
| Loan growth (YoY) | +2.5% | +5.9% | -3.4 pts |
| ROA | 0.75% | 1.26% | -0.5 pts |
| ROE | 9.0% | 12.2% | -3.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $1.02B | $644.9M | $97.6M | $4.2M | 0.75% | 3.57% | 0.08% |
| Q1 2026 | $1.12B | $1.00B | $645.7M | $94.1M | $1.9M | 0.68% | 3.46% | 0.09% |
| Q4 2025 | $1.12B | $1.01B | $622.2M | $91.8M | $6.0M | 0.53% | 3.21% | 0.03% |
| Q3 2025 | $1.17B | $1.06B | $618.9M | $89.0M | $4.4M | 0.52% | 3.12% | 0.03% |
| Q2 2025 | $1.13B | $989.4M | $628.9M | $84.4M | $2.2M | 0.39% | 3.01% | 0.03% |
| Q1 2025 | $1.13B | $983.4M | $624.2M | $82.3M | $996K | 0.35% | 2.95% | 0.16% |
| Q4 2024 | $1.12B | $996.3M | $603.2M | $79.7M | $3.6M | 0.31% | 2.69% | 0.17% |
| Q3 2024 | $1.17B | $1.04B | $591.7M | $78.6M | $2.8M | 0.32% | 2.60% | 0.06% |
Loan mix (Q2 2026): real estate $626.9M · commercial $16.9M · consumer $356K · securities $365.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sturdy Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 59.0% | 83th |
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 | Sturdy 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 | Sturdy 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 | Sturdy 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 | Sturdy 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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