| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +12.8% | +5.6% | +7.3 pts |
| ROA | 0.62% | 1.24% | -0.6 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.9M | $234.6M | $185.2M | $23.6M | $806K | 0.62% | 4.13% | 0.44% |
| Q1 2026 | $259.5M | $228.1M | $172.8M | $22.8M | $413K | 0.65% | 4.09% | 0.58% |
| Q4 2025 | $251.9M | $219.7M | $172.1M | $22.8M | $1.7M | 0.68% | 4.00% | 0.69% |
| Q3 2025 | $251.6M | $219.3M | $167.8M | $21.8M | $1.2M | 0.66% | 3.93% | 0.54% |
| Q2 2025 | $248.0M | $212.7M | $164.1M | $20.7M | $726K | 0.60% | 3.87% | 0.43% |
| Q1 2025 | $238.3M | $203.9M | $158.1M | $20.0M | $387K | 0.65% | 4.03% | 0.41% |
| Q4 2024 | $237.7M | $204.7M | $156.2M | $18.9M | $1.4M | 0.59% | 3.84% | 0.51% |
| Q3 2024 | $238.3M | $200.1M | $157.0M | $19.9M | $975K | 0.55% | 3.77% | 0.48% |
Loan mix (Q2 2026): real estate $150.8M · commercial $20.9M · consumer $14.3M · securities $55.5M
| Ratio | Wells River Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 62.9% | 86th |
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 | Wells River 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 | Wells River 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 | Wells River 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 | Wells River 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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