Warwick, RI · Cert 27417 · Jamestown Trust#3
State savings bank · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
16
Profitability
39
Liquidity
0
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Warwick, RI · Cert 27417 · Jamestown Trust#3
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 0.7% share · #19 of 22 inst. · $0.4B of $61.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.88% | 0.99% | 0.95% | 0.79% | 0.66% | 0.24% | 0.50% | -45 bps | |
| Return on Equity | 6.85% | 7.74% | 9.04% | 8.67% | 7.24% | 5.95% | 2.15% | 4.62% | -405 bps | |
| Net Interest Margin | 4.57% | 4.61% | 4.64% | 4.67% | 4.54% | 4.65% | 4.17% | 4.06% | -61 bps | |
| Efficiency Ratio | 71.93% | 71.19% | 70.83% | 71.79% | 74.07% | 76.63% | 80.17% | 76.56% | +477 bps | |
| Non-Interest Burden | 2.78% | 2.73% | 2.64% | 2.76% | 2.84% | 3.12% | 3.14% | 2.73% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.78% | 16.45% | 12.90% | 7.17% | 0.52% | -0.85% | 5.66% | 6.38% | -79 bps | |
| Loan Growth (YoY) | 26.30% | 16.89% | 12.14% | 9.07% | -2.14% | -1.10% | 6.26% | 5.64% | -343 bps | |
| Deposit Growth (YoY) | 25.17% | 24.24% | 15.37% | 4.29% | 0.50% | -4.25% | -3.33% | -2.44% | -673 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.82% | 0.83% | 0.78% | 1.07% | 1.28% | 1.38% | 1.12% | +35 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.57% | 0.34% | 0.39% | 0.50% | 0.57% | 1.08% | 0.85% | +46 bps | |
| Allowance / Loans | 1.98% | 2.12% | 2.23% | 2.25% | 2.36% | 2.38% | 2.13% | 2.11% | -14 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.6x | 2.7x | 2.9x | 2.2x | 1.9x | 1.5x | 1.9x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 11.00% | 11.14% | 10.98% | 10.78% | 11.20% | 11.17% | 10.65% | -32 bps | |
| Total Risk-Based Capital | 14.23% | 14.31% | 14.26% | 14.21% | 14.10% | 14.41% | 14.13% | 13.99% | -22 bps | |
| Equity / Assets | 10.77% | 11.01% | 10.95% | 10.88% | 10.92% | 11.41% | 10.50% | 10.34% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.98% | 100.91% | 99.63% | 102.96% | 100.27% | 104.23% | 109.51% | 111.49% | +853 bps | |
| Liquid Assets / Assets | 6.25% | 6.84% | 7.81% | 6.64% | 8.37% | 6.44% | 6.97% | 7.22% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 255% | 297% | n/a | n/a | |
Warwick, RI · Cert 27417 · Peer group: banks under $1B in assets (n=573-620) · Jamestown Trust#3
State savings bank · OCC · 4 branches
Q2 2026
Return on Assets
0.48%
Rank 503 of 620
Net Interest Margin
4.06%
Rank 145 of 620
Efficiency Ratio
76.56%
Rank 431 of 620
Equity / Assets
10.34%
Rank 332 of 620
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.60% | 1.00% | 1.45% | Beats 19% | 503 / 620 | ||
| Return on Equity | 4.60% | 5.30% | 9.30% | 13.29% | Beats 21% | 487 / 620 | ||
| Net Interest Margin | 4.06% | 3.02% | 3.53% | 4.04% | Beats 77% | 145 / 620 | ||
| Efficiency Ratio | 76.56% | 58.35% | 68.08% | 79.37% | Beats 31% | 431 / 620 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.47% | 1.27% | Beats 28% | 413 / 573 | ||
| Net Charge-Offs / Loans | 0.45% | n/a | 0.01% | 0.06% | Beats 4% | 551 / 573 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.73% | 11.27% | 13.87% | 18.78% | Beats 40% | 369 / 620 | ||
| Total Risk-Based Capital Ratio | 13.99% | 11.69% | 14.57% | 19.67% | Beats 46% | 333 / 620 | ||
| Equity / Assets | 10.34% | 9.03% | 10.60% | 13.73% | Beats 46% | 332 / 620 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 111.49% | 65.08% | 79.69% | 92.47% | 96th pctl | 23 / 585 | ||
| Loans / Assets | 87.66% | 51.85% | 67.17% | 77.86% | 96th pctl | 24 / 620 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||