| Metric | ConnectOne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.9% | -2.3 pts |
| Deposit growth (YoY) | +3.4% | +5.7% | -2.3 pts |
| Loan growth (YoY) | +6.5% | +6.9% | -0.4 pts |
| ROA | 1.24% | 1.23% | +0.0 pts |
| ROE | 10.1% | 11.2% | -1.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.40B | $11.80B | $11.73B | $1.77B | $88.0M | 1.24% | 3.55% | 0.56% |
| Q1 2026 | $14.20B | $11.57B | $11.59B | $1.74B | $42.0M | 1.19% | 3.49% | 0.35% |
| Q4 2025 | $13.99B | $11.30B | $11.30B | $1.71B | $94.2M | 0.77% | 3.25% | 0.45% |
| Q3 2025 | $14.01B | $11.43B | $11.15B | $1.68B | $49.4M | 0.55% | 3.14% | 0.29% |
| Q2 2025 | $13.91B | $11.41B | $11.01B | $1.63B | $4.1M | 0.07% | 2.90% | 0.28% |
| Q1 2025 | $9.75B | $7.81B | $8.12B | $1.29B | $21.2M | 0.87% | 2.96% | 0.51% |
| Q4 2024 | $9.87B | $7.86B | $8.19B | $1.28B | $79.0M | 0.81% | 2.80% | 0.58% |
| Q3 2024 | $9.63B | $7.56B | $8.03B | $1.28B | $57.3M | 0.78% | 2.77% | 0.57% |
Loan mix (Q2 2026): real estate $10.40B · commercial $1.02B · consumer $1.0M · securities $1.19B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | ConnectOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.23% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.3% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.8% | 54.9% | 19th |
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 | ConnectOne 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 | ConnectOne 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 | ConnectOne 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 | ConnectOne 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.