| Metric | Eastern National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -35.2% | +3.0% | -38.2 pts |
| Deposit growth (YoY) | -34.1% | +2.5% | -36.6 pts |
| Loan growth (YoY) | -27.6% | +2.6% | -30.2 pts |
| ROA | -6.56% | 0.99% | -7.6 pts |
| ROE | -72.2% | 8.1% | -80.3 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.2M | $57.6M | $44.6M | $5.6M | $-2.4M | -6.56% | 4.47% | 0.06% |
| Q1 2026 | $73.5M | $64.8M | $49.0M | $6.6M | $-1.4M | -7.14% | 4.37% | 0.05% |
| Q4 2025 | $84.8M | $74.3M | $54.6M | $8.1M | $-3.1M | -2.98% | 4.38% | 0.05% |
| Q3 2025 | $95.2M | $82.7M | $57.8M | $9.3M | $-1.9M | -2.30% | 4.43% | 0.04% |
| Q2 2025 | $100.5M | $87.4M | $61.6M | $9.9M | $-1.3M | -2.27% | 4.51% | 0.00% |
| Q1 2025 | $112.9M | $99.2M | $72.8M | $10.0M | $-1.1M | -3.77% | 4.56% | 0.00% |
| Q4 2024 | $131.2M | $115.7M | $93.1M | $11.1M | $-5.2M | -3.23% | 3.20% | 2.18% |
| Q3 2024 | $147.6M | $130.4M | $98.7M | $12.3M | $-4.0M | -3.20% | 3.17% | 1.94% |
Loan mix (Q2 2026): real estate $44.8M · commercial $616K · consumer $25K · securities $580K
| Ratio | Eastern National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.56% | 0.99% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -72.2% | 8.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 270.1% | 70.8% | 99th |
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 | Eastern National 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 | Eastern National 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 | Eastern National 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 | Eastern National 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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