| Metric | Echelon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.0% | — |
| Deposit growth (YoY) | — | +2.5% | — |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -8.19% | 0.99% | -9.2 pts |
| ROE | -15.7% | 8.1% | -23.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Not enough history yet.
Not enough history yet.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.2M | $23.5M | $3.8M | $27.2M | $-2.1M | -8.19% | 0.40% | 0.00% |
Loan mix (Q2 2026): real estate $3.6M · commercial $0 · consumer $220K · securities $0
| Ratio | Echelon Bank | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.19% | Not enough history yet. | 0.99% | 1st |
Return on equity Annualized net income ÷ equity or net worth | -15.7% | Not enough history yet. | 8.1% | 4th |
Net interest margin Interest income − interest expense, ÷ assets | 0.40% | Not enough history yet. | 3.88% | 1st |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 2359.4% | Not enough history yet. | 70.8% | 100th |
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 |
Peer lists, growth filters, CSV export, CRM push.
| 00.0% |
| 00.0% |
| Ratio | Echelon Bank | Trend (1q) | 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 | Echelon Bank | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Echelon Bank | Trend (1q) | 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 | Echelon Bank | Trend (1q) | 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 | Echelon Bank | Trend (1q) | 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.
3 branches in 2 counties across 1 state · $23.5M branch deposits. Biggest market: Pinellas, FL, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pinellas, FL | 2 | $20.1M | 0.03% | 44th |
| Hillsborough, FL | 1 | $3.4M | 0.01% | 77th |
Florida: 292nd with 0.00% · Tampa-St. Petersburg-Clearwater metro: 83rd, 0.02% ·