| Metric | Ulster Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | +1.1% | +5.1% | -4.0 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.2 pts |
| ROA | 0.55% | 1.26% | -0.7 pts |
| ROE | 6.2% | 12.2% | -5.9 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 | $1.39B | $1.24B | $1.03B | $124.6M | $3.8M | 0.55% | 3.26% | 1.16% |
| Q1 2026 | $1.37B | $1.22B | $1.03B | $122.9M | $2.0M | 0.59% | 3.25% | 1.05% |
| Q4 2025 | $1.38B | $1.22B | $1.05B | $121.2M | $6.0M | 0.44% | 3.03% | 1.03% |
| Q3 2025 | $1.39B | $1.22B | $1.01B | $118.1M | $4.0M | 0.39% | 2.97% | 1.05% |
| Q2 2025 | $1.38B | $1.22B | $1.01B | $114.5M | $2.3M | 0.34% | 2.91% | 1.05% |
| Q1 2025 | $1.35B | $1.20B | $1.00B | $111.9M | $972K | 0.29% | 2.84% | 1.24% |
| Q4 2024 | $1.33B | $1.18B | $999.3M | $108.3M | $3.1M | 0.23% | 2.75% | 0.78% |
| Q3 2024 | $1.34B | $1.16B | $1.01B | $111.3M | $2.1M | 0.21% | 2.75% | 0.60% |
Loan mix (Q2 2026): real estate $968.0M · commercial $51.7M · consumer $23.1M · securities $152.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ulster Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.26% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 59.0% | 95th |
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 | Ulster 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 | Ulster 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 | Ulster 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 | Ulster 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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