| Metric | Watertown Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Deposit growth (YoY) | +3.2% | +4.3% | -1.1 pts |
| Loan growth (YoY) | +3.4% | +5.3% | -2.0 pts |
| ROA | 1.90% | 1.28% | +0.6 pts |
| ROE | 10.5% | 12.4% | -1.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $971.0M | $784.3M | $586.7M | $177.7M | $9.1M | 1.90% | 4.67% | 1.19% |
| Q1 2026 | $970.2M | $787.9M | $576.3M | $173.7M | $4.5M | 1.89% | 4.51% | 1.20% |
| Q4 2025 | $941.4M | $762.6M | $576.4M | $169.6M | $12.5M | 1.35% | 4.47% | 1.34% |
| Q3 2025 | $949.0M | $773.2M | $570.4M | $168.4M | $11.9M | 1.71% | 4.39% | 1.55% |
| Q2 2025 | $930.5M | $759.9M | $567.7M | $163.4M | $7.7M | 1.67% | 4.31% | 1.57% |
| Q1 2025 | $925.4M | $760.2M | $560.3M | $158.6M | $3.9M | 1.69% | 4.20% | 1.53% |
| Q4 2024 | $902.3M | $743.0M | $554.2M | $153.0M | $12.0M | 1.31% | 4.05% | 0.97% |
| Q3 2024 | $935.7M | $776.5M | $542.5M | $152.5M | $11.2M | 1.63% | 4.01% | 1.03% |
Loan mix (Q2 2026): real estate $520.5M · commercial $53.4M · consumer $19.1M · securities $239.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Watertown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 61.2% | 16th |
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 | Watertown 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 | Watertown 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 | Watertown 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 | Watertown 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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