| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.8% | +5.5% | -17.3 pts |
| Deposit growth (YoY) | -5.8% | +5.1% | -10.8 pts |
| Loan growth (YoY) | -11.0% | +5.9% | -16.9 pts |
| ROA | 0.05% | 1.26% | -1.2 pts |
| ROE | 0.3% | 12.2% | -11.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $741.1M | $962.4M | $165.1M | $290K | 0.05% | 3.42% | 2.59% |
| Q1 2026 | $1.07B | $760.0M | $954.7M | $164.3M | $-463K | -0.17% | 3.31% | 3.23% |
| Q4 2025 | $1.14B | $827.7M | $1.00B | $165.3M | $8.1M | 0.69% | 3.37% | 2.99% |
| Q3 2025 | $1.18B | $777.4M | $1.05B | $163.6M | $6.4M | 0.72% | 3.31% | 2.05% |
| Q2 2025 | $1.23B | $786.6M | $1.08B | $160.2M | $3.2M | 0.53% | 3.21% | 1.60% |
| Q1 2025 | $1.19B | $784.8M | $1.02B | $156.1M | $-962K | -0.33% | 3.16% | 1.64% |
| Q4 2024 | $1.18B | $775.1M | $980.1M | $156.0M | $4.6M | 0.39% | 3.10% | 1.52% |
| Q3 2024 | $1.20B | $790.6M | $1.05B | $151.1M | $-437K | -0.05% | 3.04% | 1.48% |
Loan mix (Q2 2026): real estate $941.4M · commercial $17.8M · consumer $9.2M · securities $3.5M
| Ratio | The Federal Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 1.26% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.7% | 59.0% | 99th |
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 | The Federal 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 | The Federal 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 | The Federal 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 | The Federal 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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