| Metric | The Warrington Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 4.1% | 11.9% | -7.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.9M | $145.0M | $54.4M | $28.9M | $588K | 0.68% | 3.07% | 0.00% |
| Q1 2026 | $172.3M | $143.6M | $51.3M | $28.6M | $278K | 0.64% | 3.01% | 0.00% |
| Q4 2025 | $172.8M | $144.1M | $50.4M | $28.6M | $743K | 0.44% | 2.80% | 0.00% |
| Q3 2025 | $167.4M | $139.0M | $54.9M | $28.4M | $509K | 0.41% | 2.76% | 0.00% |
| Q2 2025 | $169.3M | $141.1M | $55.5M | $28.2M | $332K | 0.40% | 2.69% | 0.00% |
| Q1 2025 | $166.0M | $137.9M | $54.9M | $28.0M | $148K | 0.36% | 2.61% | 0.00% |
| Q4 2024 | $166.7M | $138.6M | $54.9M | $28.0M | $398K | 0.22% | 2.27% | 0.00% |
| Q3 2024 | $177.0M | $138.7M | $53.6M | $27.8M | $250K | 0.18% | 2.19% | 0.00% |
Loan mix (Q2 2026): real estate $51.9M · commercial $2.4M · consumer $645K · securities $103.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Warrington Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 62.9% | 72th |
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 Warrington 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 Warrington 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 Warrington 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 Warrington 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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