| Metric | Templeton Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.4% | +4.6 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.8 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.1 pts |
| ROA | 1.59% | 1.24% | +0.4 pts |
| ROE | 10.1% | 11.9% | -1.7 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $169.6M | $141.9M | $107.7M | $26.6M | $1.3M | 1.59% | 4.05% | 0.00% |
| Q1 2026 | $169.6M | $142.3M | $107.4M | $26.2M | $649K | 1.57% | 4.04% | 0.00% |
| Q4 2025 | $160.3M | $133.2M | $109.3M | $25.8M | $2.2M | 1.37% | 3.81% | 0.00% |
| Q3 2025 | $159.6M | $132.6M | $106.0M | $25.8M | $1.6M | 1.34% | 3.69% | 0.22% |
| Q2 2025 | $155.6M | $129.3M | $101.9M | $25.3M | $997K | 1.27% | 3.62% | 0.22% |
| Q1 2025 | $160.1M | $134.2M | $101.3M | $24.8M | $506K | 1.28% | 3.52% | 0.01% |
| Q4 2024 | $156.1M | $131.1M | $102.1M | $24.1M | $1.6M | 1.00% | 3.13% | 0.01% |
| Q3 2024 | $157.2M | $132.3M | $101.7M | $23.9M | $1.2M | 0.97% | 3.04% | 0.01% |
Loan mix (Q2 2026): real estate $80.8M · commercial $7.3M · consumer $2.8M · securities $40.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Templeton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 62.9% | 11th |
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 | Templeton 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 | Templeton 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 | Templeton 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 | Templeton 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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