| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.7 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $236.7M | $212.3M | $187.1M | $23.7M | $705K | 0.60% | 4.24% | 0.30% |
| Q1 2026 | $236.9M | $212.8M | $185.1M | $23.4M | $375K | 0.64% | 4.15% | 0.29% |
| Q4 2025 | $228.5M | $204.3M | $185.8M | $23.4M | $1.5M | 0.65% | 4.13% | 0.24% |
| Q3 2025 | $227.0M | $202.2M | $185.8M | $23.1M | $1.0M | 0.61% | 4.05% | 0.31% |
| Q2 2025 | $227.9M | $202.8M | $181.9M | $22.6M | $651K | 0.58% | 3.94% | 0.28% |
| Q1 2025 | $226.5M | $201.6M | $178.8M | $22.5M | $311K | 0.55% | 3.84% | 0.20% |
| Q4 2024 | $224.6M | $198.9M | $181.0M | $22.2M | $970K | 0.43% | 3.69% | 0.15% |
| Q3 2024 | $227.1M | $198.2M | $181.8M | $22.4M | $700K | 0.41% | 3.66% | 0.11% |
Loan mix (Q2 2026): real estate $140.7M · commercial $21.5M · consumer $23.3M · securities $18.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Williamstown Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 62.9% | 85th |
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 | Williamstown Bank, Inc. | 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 | Williamstown Bank, Inc. | 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 | Williamstown Bank, Inc. | 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 | Williamstown Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.