| Metric | WSB Municipal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | -6.0% | +4.0% | -9.9 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 2.37% | 1.24% | +1.1 pts |
| ROE | 15.9% | 11.9% | +4.0 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $152.3M | $98.5M | $0 | $23.4M | $1.8M | 2.37% | 3.10% | 0.00% |
| Q1 2026 | $158.0M | $120.2M | $0 | $22.9M | $781K | 2.01% | 2.66% | 0.00% |
| Q4 2025 | $153.1M | $96.3M | $0 | $22.5M | $2.7M | 1.78% | 2.29% | 0.00% |
| Q3 2025 | $152.6M | $111.4M | $0 | $21.4M | $1.8M | 1.62% | 2.15% | 0.00% |
| Q2 2025 | $150.5M | $104.7M | $0 | $20.1M | $1.1M | 1.49% | 1.97% | 0.00% |
| Q1 2025 | $153.7M | $122.3M | $0 | $18.8M | $509K | 1.35% | 1.80% | 0.00% |
| Q4 2024 | $148.8M | $106.5M | $0 | $17.0M | $1.3M | 0.90% | 1.19% | 0.00% |
| Q3 2024 | $150.2M | $124.4M | $0 | $16.9M | $858K | 0.77% | 1.06% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $144.3M
| Ratio | WSB Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.37% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 2.2% | 62.9% | 0th |
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 | WSB Municipal 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 | WSB Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | WSB Municipal 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 | WSB Municipal 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 | WSB Municipal 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $104.7M branch deposits. Biggest market: Jefferson, NY, ranked 8th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, NY | 1 | $104.7M | 3.26% | 8th |
New York: 228th with 0.00% · Watertown-Fort Drum metro: 8th, 3.26% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1