| Metric | Bank of Easton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 0.71% | 1.24% | -0.5 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $249.0M | $222.5M | $122.8M | $24.0M | $879K | 0.71% | 2.21% | 0.00% |
| Q1 2026 | $250.9M | $224.7M | $120.3M | $23.5M | $450K | 0.73% | 2.17% | 0.00% |
| Q4 2025 | $245.0M | $219.0M | $120.3M | $23.3M | $1.3M | 0.59% | 2.07% | 0.00% |
| Q3 2025 | $240.4M | $215.3M | $117.4M | $22.6M | $900K | 0.54% | 2.02% | 0.00% |
| Q2 2025 | $235.6M | $211.4M | $115.9M | $21.7M | $476K | 0.44% | 1.89% | 0.08% |
| Q1 2025 | $210.7M | $187.0M | $112.4M | $21.1M | $219K | 0.42% | 1.88% | 0.00% |
| Q4 2024 | $205.8M | $182.8M | $110.0M | $20.4M | $834K | 0.41% | 1.89% | 0.04% |
| Q3 2024 | $203.6M | $179.9M | $109.7M | $21.0M | $680K | 0.45% | 1.94% | 0.13% |
Loan mix (Q2 2026): real estate $122.2M · commercial $265K · consumer $1.0M · securities $56.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Easton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 62.9% | 39th |
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 | Bank of Easton | 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 | Bank of Easton | 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 | Bank of Easton | 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 | Bank of Easton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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