| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.7 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 0.23% | 1.24% | -1.0 pts |
| ROE | 2.4% | 11.9% | -9.4 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $302.3M | $249.3M | $235.2M | $29.3M | $345K | 0.23% | 2.66% | 0.23% |
| Q1 2026 | $298.7M | $243.0M | $236.5M | $28.1M | $124K | 0.16% | 2.61% | 0.27% |
| Q4 2025 | $305.9M | $240.7M | $238.6M | $28.0M | $416K | 0.14% | 2.44% | 0.25% |
| Q3 2025 | $296.8M | $231.8M | $236.3M | $27.7M | $203K | 0.09% | 2.38% | 0.30% |
| Q2 2025 | $297.3M | $231.5M | $237.3M | $27.4M | $106K | 0.07% | 2.35% | 0.31% |
| Q1 2025 | $293.3M | $229.0M | $235.6M | $27.0M | $25K | 0.03% | 2.30% | 0.27% |
| Q4 2024 | $289.7M | $230.2M | $233.3M | $26.7M | $111K | 0.04% | 2.25% | 0.27% |
| Q3 2024 | $286.0M | $229.4M | $227.9M | $27.1M | $136K | 0.06% | 2.27% | 0.24% |
Loan mix (Q2 2026): real estate $236.1M · commercial $207K · consumer $349K · securities $36.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washington Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.1% | 62.9% | 94th |
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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