| Metric | Eaglemark Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.9% | -2.6 pts |
| Deposit growth (YoY) | -4.0% | +4.3% | -8.3 pts |
| Loan growth (YoY) | +0.8% | +5.3% | -4.5 pts |
| ROA | 4.54% | 1.28% | +3.3 pts |
| ROE | 20.2% | 12.4% | +7.8 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $755.7M | $519.4M | $683.9M | $175.0M | $16.8M | 4.54% | 6.70% | 0.00% |
| Q1 2026 | $720.3M | $480.5M | $654.9M | $166.4M | $8.2M | 4.48% | 6.59% | 0.00% |
| Q4 2025 | $743.8M | $539.5M | $669.3M | $158.2M | $32.1M | 4.36% | 6.51% | 0.00% |
| Q3 2025 | $762.3M | $558.5M | $690.2M | $149.9M | $23.8M | 4.32% | 6.44% | 0.00% |
| Q2 2025 | $738.3M | $540.8M | $678.2M | $141.4M | $15.4M | 4.23% | 6.33% | 0.00% |
| Q1 2025 | $716.7M | $516.2M | $652.5M | $133.4M | $7.3M | 4.06% | 6.10% | 0.00% |
| Q4 2024 | $722.7M | $553.4M | $648.1M | $126.1M | $28.0M | 4.24% | 6.46% | 0.00% |
| Q3 2024 | $715.7M | $551.9M | $652.7M | $118.7M | $20.6M | 4.26% | 6.47% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $684.1M · securities $43.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Eaglemark Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.54% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.2% | 12.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.70% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 30.2% | 61.2% | 1th |
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 | Eaglemark Savings 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 | Eaglemark Savings 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 | Eaglemark Savings 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 | Eaglemark Savings 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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