| Metric | The Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.9% | -4.8 pts |
| Deposit growth (YoY) | +2.5% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +7.1% | +5.3% | +1.8 pts |
| ROA | 0.63% | 1.28% | -0.7 pts |
| ROE | 6.2% | 12.4% | -6.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $520.1M | $450.2M | $387.2M | $53.3M | $1.6M | 0.63% | 3.61% | 0.16% |
| Q1 2026 | $517.5M | $439.7M | $379.0M | $52.8M | $563K | 0.44% | 3.47% | 0.35% |
| Q4 2025 | $517.3M | $436.5M | $373.8M | $52.5M | $3.3M | 0.64% | 3.19% | 0.15% |
| Q3 2025 | $519.3M | $439.4M | $363.9M | $51.9M | $2.2M | 0.56% | 3.13% | 0.16% |
| Q2 2025 | $519.7M | $439.3M | $361.6M | $50.1M | $1.3M | 0.51% | 3.07% | 0.17% |
| Q1 2025 | $517.9M | $443.7M | $355.2M | $49.3M | $571K | 0.44% | 2.97% | 0.18% |
| Q4 2024 | $512.2M | $431.2M | $348.9M | $47.4M | $3.1M | 0.57% | 2.77% | 0.24% |
| Q3 2024 | $534.9M | $449.5M | $358.4M | $49.3M | $2.3M | 0.56% | 2.69% | 0.19% |
Loan mix (Q2 2026): real estate $355.1M · commercial $23.3M · consumer $11.6M · securities $83.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 61.2% | 80th |
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 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 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 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 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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