| Metric | Thomaston Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.5% | -1.6 pts |
| Deposit growth (YoY) | +4.1% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.1 pts |
| ROA | 1.07% | 1.26% | -0.2 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.93B | $1.69B | $1.42B | $182.0M | $10.3M | 1.07% | 3.48% | 0.50% |
| Q1 2026 | $1.91B | $1.67B | $1.41B | $175.8M | $5.0M | 1.04% | 3.40% | 0.51% |
| Q4 2025 | $1.91B | $1.66B | $1.40B | $172.0M | $14.5M | 0.78% | 3.12% | 0.49% |
| Q3 2025 | $1.86B | $1.62B | $1.36B | $164.6M | $10.2M | 0.73% | 3.06% | 0.47% |
| Q2 2025 | $1.86B | $1.62B | $1.33B | $151.9M | $6.6M | 0.72% | 2.98% | 0.45% |
| Q1 2025 | $1.84B | $1.61B | $1.31B | $145.5M | $2.8M | 0.61% | 2.88% | 0.38% |
| Q4 2024 | $1.83B | $1.60B | $1.30B | $138.2M | $9.3M | 0.51% | 2.78% | 0.49% |
| Q3 2024 | $1.84B | $1.60B | $1.28B | $142.7M | $6.5M | 0.48% | 2.75% | 0.53% |
Loan mix (Q2 2026): real estate $1.26B · commercial $135.8M · consumer $35.0M · securities $341.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Thomaston Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 59.0% | 61th |
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 | Thomaston 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 | Thomaston 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 | Thomaston 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 | Thomaston 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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