| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +5.5% | +10.8 pts |
| Deposit growth (YoY) | +19.9% | +5.1% | +14.8 pts |
| Loan growth (YoY) | +15.9% | +5.9% | +10.0 pts |
| ROA | 0.42% | 1.26% | -0.8 pts |
| ROE | 4.4% | 12.2% | -7.8 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 | $1.09B | $817.7M | $871.1M | $101.3M | $2.2M | 0.42% | 2.61% | 0.15% |
| Q1 2026 | $1.05B | $791.1M | $840.8M | $100.1M | $1.1M | 0.42% | 2.52% | 0.16% |
| Q4 2025 | $1.00B | $752.2M | $800.4M | $99.2M | $2.8M | 0.29% | 2.36% | 0.36% |
| Q3 2025 | $991.6M | $720.3M | $793.4M | $98.0M | $1.7M | 0.25% | 2.30% | 0.20% |
| Q2 2025 | $935.2M | $682.0M | $751.5M | $96.5M | $909K | 0.20% | 2.25% | 0.24% |
| Q1 2025 | $923.7M | $705.3M | $727.9M | $80.9M | $305K | 0.13% | 2.06% | 0.20% |
| Q4 2024 | $895.1M | $663.2M | $725.5M | $80.3M | $41K | 0.00% | 1.84% | 0.22% |
| Q3 2024 | $873.4M | $644.3M | $708.4M | $80.2M | $-332K | -0.05% | 1.81% | 0.19% |
Loan mix (Q2 2026): real estate $871.5M · commercial $3.9M · consumer $156K · securities $116.3M
| Ratio | Winchester Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 59.0% | 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 | Winchester 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 | Winchester 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 | Winchester 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 | Winchester Savings Bank | 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.