| Metric | Eagle Rock Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +86.3% | +4.9% | +81.4 pts |
| Deposit growth (YoY) | +97.3% | +4.3% | +93.0 pts |
| Loan growth (YoY) | +96.0% | +5.3% | +90.7 pts |
| ROA | 1.17% | 1.28% | -0.1 pts |
| ROE | 10.6% | 12.4% | -1.8 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $508.2M | $420.8M | $431.0M | $57.9M | $2.1M | 1.17% | 4.10% | 0.79% |
| Q1 2026 | $280.3M | $230.4M | $209.6M | $29.9M | $722K | 1.05% | 4.00% | 0.15% |
| Q4 2025 | $272.2M | $220.6M | $209.0M | $29.2M | $2.6M | 0.97% | 3.79% | 0.17% |
| Q3 2025 | $279.5M | $211.3M | $226.1M | $28.3M | $1.8M | 0.87% | 3.75% | 0.93% |
| Q2 2025 | $272.8M | $213.2M | $219.9M | $27.1M | $1.1M | 0.83% | 3.65% | 1.06% |
| Q1 2025 | $268.2M | $212.1M | $216.1M | $26.5M | $448K | 0.68% | 3.52% | 0.94% |
| Q4 2024 | $261.6M | $203.5M | $207.7M | $25.8M | $374K | 0.15% | 3.35% | 0.88% |
| Q3 2024 | $262.1M | $207.6M | $212.7M | $26.2M | $883K | 0.47% | 3.36% | 1.51% |
Loan mix (Q2 2026): real estate $359.0M · commercial $73.1M · consumer $2.0M · securities $35.8M
| Ratio | Eagle Rock Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 61.2% | 29th |
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 | Eagle Rock 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 | Eagle Rock 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 | Eagle Rock 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 | Eagle Rock Bank | 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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