| Metric | The Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +5.2% | +4.3% | +0.9 pts |
| Loan growth (YoY) | +6.6% | +5.3% | +1.2 pts |
| ROA | 0.44% | 1.28% | -0.8 pts |
| ROE | 4.7% | 12.4% | -7.8 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $891.0M | $766.6M | $640.7M | $83.4M | $1.9M | 0.44% | 2.64% | 0.88% |
| Q1 2026 | $864.0M | $757.5M | $612.0M | $82.0M | $269K | 0.12% | 2.60% | 0.93% |
| Q4 2025 | $873.4M | $766.4M | $621.7M | $82.1M | $1.4M | 0.17% | 2.57% | 0.87% |
| Q3 2025 | $848.8M | $742.8M | $609.6M | $81.3M | $1.1M | 0.17% | 2.56% | 0.90% |
| Q2 2025 | $836.5M | $728.5M | $601.1M | $79.1M | $-55K | -0.01% | 2.57% | 1.30% |
| Q1 2025 | $833.2M | $735.3M | $604.3M | $78.6M | $283K | 0.14% | 2.39% | 1.59% |
| Q4 2024 | $826.8M | $732.0M | $603.4M | $76.6M | $292K | 0.04% | 2.18% | 1.75% |
| Q3 2024 | $834.3M | $704.0M | $599.4M | $80.0M | $1.2M | 0.20% | 2.13% | 1.58% |
Loan mix (Q2 2026): real estate $638.5M · commercial $6.8M · consumer $173K · securities $183.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 12.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 61.2% | 97th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
9 branches in 2 counties across 1 state (+0 vs 2024) · $728.5M branch deposits. Biggest market: Middlesex, MA, ranked 36th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 5 | $574.5M | 0.61% | 36th |
| Essex, MA | 4 | $154.0M | 0.47% | 28th |
Massachusetts: 72nd with 0.12% · Boston-Cambridge-Newton metro: 50th, 0.13% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9