| Metric | Earlham Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382.5M | $343.9M | $220.6M | $36.9M | $2.0M | 1.06% | 3.77% | 0.54% |
| Q1 2026 | $383.1M | $345.7M | $221.9M | $35.9M | $937K | 0.99% | 3.69% | 0.55% |
| Q4 2025 | $377.8M | $341.4M | $224.7M | $35.0M | $3.3M | 0.90% | 3.65% | 0.23% |
| Q3 2025 | $370.1M | $333.2M | $214.0M | $35.5M | $3.8M | 1.37% | 3.65% | 0.25% |
| Q2 2025 | $373.9M | $337.6M | $210.2M | $34.7M | $3.0M | 1.64% | 3.59% | 0.25% |
| Q1 2025 | $372.8M | $338.6M | $207.4M | $32.8M | $1.2M | 1.31% | 3.53% | 0.25% |
| Q4 2024 | $362.3M | $329.2M | $202.7M | $31.7M | $2.0M | 0.56% | 3.23% | 0.12% |
| Q3 2024 | $361.0M | $328.2M | $201.8M | $31.7M | $1.3M | 0.49% | 3.11% | 0.11% |
Loan mix (Q2 2026): real estate $182.8M · commercial $23.6M · consumer $5.5M · securities $75.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Earlham Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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 | Earlham 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 | Earlham 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 | Earlham 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 | Earlham 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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