| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.0% | +2.6 pts |
| Deposit growth (YoY) | +5.2% | +2.5% | +2.7 pts |
| Loan growth (YoY) | -1.7% | +2.6% | -4.3 pts |
| ROA | 0.51% | 0.99% | -0.5 pts |
| ROE | 3.9% | 8.1% | -4.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.7M | $75.0M | $32.3M | $11.4M | $218K | 0.51% | 1.94% | 0.00% |
| Q1 2026 | $87.3M | $75.7M | $32.8M | $11.3M | $108K | 0.51% | 1.87% | 0.00% |
| Q4 2025 | $83.2M | $71.8M | $33.4M | $11.1M | $280K | 0.34% | 1.77% | 0.13% |
| Q3 2025 | $81.3M | $69.7M | $32.8M | $11.2M | $210K | 0.35% | 1.77% | 0.02% |
| Q2 2025 | $82.1M | $71.3M | $32.8M | $10.5M | $131K | 0.32% | 1.76% | 0.00% |
| Q1 2025 | $82.2M | $71.5M | $34.1M | $10.3M | $72K | 0.36% | 1.80% | 0.00% |
| Q4 2024 | $78.6M | $68.8M | $33.6M | $9.5M | $309K | 0.39% | 1.79% | 0.00% |
| Q3 2024 | $77.6M | $66.8M | $31.3M | $10.3M | $190K | 0.32% | 1.85% | 0.00% |
Loan mix (Q2 2026): real estate $21.4M · commercial $543K · consumer $665K · securities $32.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Watkins Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.99% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 8.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 70.8% | 50th |
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 Watkins 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 Watkins 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 Watkins 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 Watkins 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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