| Metric | Elderton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.4% | +7.0 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +12.3% | +5.6% | +6.8 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $465.2M | $359.6M | $388.7M | $54.5M | $3.8M | 1.66% | 3.89% | 0.64% |
| Q1 2026 | $452.1M | $357.3M | $377.4M | $53.5M | $1.9M | 1.74% | 3.79% | 0.60% |
| Q4 2025 | $441.7M | $345.0M | $363.5M | $51.6M | $5.9M | 1.43% | 3.60% | 1.00% |
| Q3 2025 | $426.1M | $335.4M | $353.6M | $51.5M | $4.5M | 1.46% | 3.55% | 0.71% |
| Q2 2025 | $417.8M | $333.9M | $346.0M | $49.5M | $2.7M | 1.35% | 3.42% | 1.04% |
| Q1 2025 | $407.7M | $328.9M | $334.0M | $49.0M | $1.5M | 1.50% | 3.29% | 1.44% |
| Q4 2024 | $389.6M | $318.9M | $321.2M | $47.2M | $4.5M | 1.18% | 3.34% | 1.27% |
| Q3 2024 | $383.6M | $310.7M | $309.3M | $47.2M | $3.2M | 1.14% | 3.34% | 1.36% |
Loan mix (Q2 2026): real estate $284.9M · commercial $96.1M · consumer $3.8M · securities $19.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Elderton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.3% | 62.9% | 8th |
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 | Elderton State 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 | Elderton State 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 | Elderton State 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 | Elderton State 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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