| Metric | Eclipse Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.8 pts |
| Loan growth (YoY) | -2.6% | +5.6% | -8.2 pts |
| ROA | 0.58% | 1.24% | -0.7 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $485.7M | $341.3M | $411.8M | $43.7M | $1.4M | 0.58% | 2.73% | 0.31% |
| Q1 2026 | $495.1M | $348.4M | $420.2M | $43.0M | $606K | 0.50% | 2.68% | 0.82% |
| Q4 2025 | $482.0M | $345.2M | $411.5M | $42.4M | $1.3M | 0.26% | 2.44% | 0.23% |
| Q3 2025 | $487.1M | $355.7M | $414.8M | $41.7M | $756K | 0.21% | 2.37% | 0.24% |
| Q2 2025 | $488.3M | $347.6M | $422.7M | $41.0M | $292K | 0.12% | 2.27% | 0.27% |
| Q1 2025 | $479.1M | $346.9M | $406.6M | $40.6M | $-99K | -0.08% | 2.20% | 0.52% |
| Q4 2024 | $481.5M | $346.9M | $405.7M | $40.6M | $-229K | -0.05% | 1.82% | 0.55% |
| Q3 2024 | $490.6M | $358.4M | $414.5M | $41.4M | $493K | 0.13% | 1.73% | 0.52% |
Loan mix (Q2 2026): real estate $355.1M · commercial $36.9M · consumer $1.3M · securities $29.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Eclipse Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 62.9% | 79th |
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 | Eclipse Bank, Inc. | 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 | Eclipse Bank, Inc. | 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 | Eclipse Bank, Inc. | 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 | Eclipse Bank, Inc. | Trend (8q) | 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.