| Metric | Bank of Erath | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.2 pts |
| Loan growth (YoY) | -23.0% | +5.6% | -28.5 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 1.4% | 11.9% | -10.5 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 | $105.3M | $90.2M | $42.8M | $14.3M | $99K | 0.18% | 4.19% | 0.59% |
| Q1 2026 | $108.6M | $93.5M | $42.1M | $14.4M | $118K | 0.43% | 4.11% | 0.19% |
| Q4 2025 | $108.9M | $93.9M | $46.0M | $14.3M | $729K | 0.67% | 4.42% | 1.87% |
| Q3 2025 | $106.6M | $91.7M | $55.0M | $13.9M | $136K | 0.17% | 4.26% | 2.20% |
| Q2 2025 | $105.9M | $91.4M | $55.5M | $13.8M | $302K | 0.55% | 4.17% | 2.24% |
| Q1 2025 | $109.3M | $95.1M | $54.1M | $13.5M | $113K | 0.41% | 4.00% | 2.33% |
| Q4 2024 | $111.5M | $97.7M | $54.9M | $13.1M | $649K | 0.58% | 3.98% | 2.33% |
| Q3 2024 | $109.3M | $94.8M | $58.5M | $13.6M | $469K | 0.56% | 3.94% | 2.44% |
Loan mix (Q2 2026): real estate $35.1M · commercial $1.7M · consumer $1.9M · securities $32.9M
| Ratio | Bank of Erath | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 62.9% | 95th |
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 Erath | 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 Erath | 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 Erath | 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 Erath | 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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