| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +5.5% | -7.6 pts |
| Deposit growth (YoY) | -0.3% | +5.1% | -5.4 pts |
| Loan growth (YoY) | +1.2% | +5.9% | -4.7 pts |
| ROA | 0.64% | 1.26% | -0.6 pts |
| ROE | 3.5% | 12.2% | -8.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.00B | $803.2M | $799.7M | $183.6M | $3.2M | 0.64% | 3.18% | 0.11% |
| Q1 2026 | $994.0M | $796.8M | $781.2M | $182.0M | $1.5M | 0.58% | 3.10% | 0.11% |
| Q4 2025 | $1.01B | $808.1M | $773.9M | $180.6M | $-1.4M | -0.14% | 2.93% | 0.11% |
| Q3 2025 | $981.0M | $777.6M | $756.6M | $178.6M | $-2.8M | -0.38% | 2.89% | 0.16% |
| Q2 2025 | $1.02B | $806.0M | $790.3M | $182.2M | $1.2M | 0.25% | 2.79% | 0.14% |
| Q1 2025 | $995.3M | $776.8M | $748.7M | $179.8M | $-777K | -0.32% | 2.69% | 0.14% |
| Q4 2024 | $977.7M | $755.7M | $735.0M | $179.8M | $3.9M | 0.41% | 2.59% | 0.14% |
| Q3 2024 | $958.6M | $724.7M | $707.8M | $178.3M | $1.5M | 0.22% | 2.61% | 0.16% |
Loan mix (Q2 2026): real estate $796.0M · commercial $9.8M · consumer $835K · securities $92.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 59.0% | 91st |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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) · $806.0M branch deposits. Biggest market: Northwest Hills, CT, ranked 1st with 25.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Northwest Hills, CT | 8 | $773.4M | 25.54% | 1st |
| Naugatuck Valley, CT | 1 | $32.6M | 0.31% | 24th |
Connecticut: 29th with 0.53% · Waterbury-Shelton metro: 24th, 0.31% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9