| Metric | Sugar River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +5.5% | +5.6% | -0.1 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 5.6% | 11.9% | -6.3 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $424.3M | $364.3M | $291.7M | $49.0M | $1.3M | 0.64% | 3.73% | 0.23% |
| Q1 2026 | $416.5M | $358.4M | $284.6M | $47.9M | $656K | 0.63% | 3.73% | 0.24% |
| Q4 2025 | $416.1M | $354.5M | $287.4M | $47.4M | $2.4M | 0.58% | 3.55% | 0.12% |
| Q3 2025 | $402.5M | $344.1M | $277.6M | $46.0M | $1.7M | 0.56% | 3.51% | 0.26% |
| Q2 2025 | $404.6M | $343.8M | $276.5M | $44.1M | $1.0M | 0.52% | 3.48% | 0.34% |
| Q1 2025 | $400.5M | $340.7M | $274.4M | $43.6M | $538K | 0.54% | 3.47% | 0.27% |
| Q4 2024 | $402.1M | $341.5M | $277.1M | $42.2M | $1.7M | 0.43% | 3.29% | 0.27% |
| Q3 2024 | $407.5M | $337.6M | $271.7M | $43.8M | $1.3M | 0.45% | 3.30% | 0.31% |
Loan mix (Q2 2026): real estate $272.7M · commercial $13.9M · consumer $2.4M · securities $75.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sugar River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 62.9% | 81th |
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 | Sugar River 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 | Sugar River 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 | Sugar River 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 | Sugar River 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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