Sturdy Savings Bank
Stone Harbor, NJ · Cert 28788 · Peer group: banks $1B-$10B in assets (n=322-328) · Sturdy Bcorp MHC
SI · FDIC · 13 branches
Q2 2026
$1.1BAssets
$648.2MLoans
$1.0BDeposits
$97.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 94% of banks $1B-$10B in assets (rank 23 of 322).
- Widest gap: equity / assets trails 87% of banks $1B-$10B in assets (rank 287 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.74%
Rank 272 of 328
Net Interest Margin
3.23%
Rank 211 of 328
Efficiency Ratio
72.07%
Rank 279 of 328
Equity / Assets
8.53%
Rank 287 of 328
Non-interest income vs. expense
Unfavorable gap of $25.5M · efficiency ratio beats 15% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.91% | 1.22% | 1.52% | Beats 17% | 272 / 328 | | |
| Return on Equity | 8.69% | 8.43% | 11.45% | 14.43% | Beats 27% | 239 / 328 | | |
| Net Interest Margin | 3.23% | 3.03% | 3.45% | 3.83% | Beats 36% | 211 / 328 | | |
| Efficiency Ratio | 72.07% | 51.61% | 59.56% | 67.53% | Beats 15% | 279 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.24% | 0.51% | 1.03% | Beats 83% | 57 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 94% | 23 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 11.75% | 13.15% | 15.47% | Beats 81% | 63 / 328 | | |
| Total Risk-Based Capital Ratio | 16.80% | 12.63% | 14.15% | 16.46% | Beats 78% | 72 / 328 | | |
| Equity / Assets | 8.53% | 9.15% | 10.33% | 12.01% | Beats 13% | 287 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.34% | 76.63% | 87.92% | 95.36% | 9th pctl | 295 / 323 | | |
| Loans / Assets | 56.67% | 65.18% | 74.15% | 79.98% | 13th pctl | 284 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |