| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +4.9% | -4.9 pts |
| Deposit growth (YoY) | -0.2% | +4.3% | -4.6 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.6 pts |
| ROA | 0.77% | 1.28% | -0.5 pts |
| ROE | 6.8% | 12.4% | -5.6 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $585.3M | $504.4M | $352.8M | $67.4M | $2.3M | 0.77% | 2.79% | 0.19% |
| Q1 2026 | $605.0M | $519.9M | $350.5M | $66.9M | $1.1M | 0.71% | 2.68% | 0.22% |
| Q4 2025 | $586.2M | $501.7M | $340.2M | $66.2M | $1.8M | 0.31% | 2.48% | 0.29% |
| Q3 2025 | $578.3M | $495.6M | $339.4M | $64.8M | $793K | 0.18% | 2.40% | 0.33% |
| Q2 2025 | $585.5M | $505.5M | $326.7M | $61.4M | $181K | 0.06% | 2.29% | 0.28% |
| Q1 2025 | $580.6M | $501.4M | $329.0M | $60.5M | $261K | 0.18% | 2.20% | 0.27% |
| Q4 2024 | $566.9M | $490.4M | $327.2M | $58.7M | $778K | 0.13% | 1.97% | 0.45% |
| Q3 2024 | $596.1M | $515.8M | $333.6M | $62.1M | $595K | 0.13% | 1.92% | 0.25% |
Loan mix (Q2 2026): real estate $298.5M · commercial $52.4M · consumer $5.3M · securities $172.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washington Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 12.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 61.2% | 66th |
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 | Washington 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 | Washington 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 | Washington 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 | Washington 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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