| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.0% | -3.3 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 0.3% | 8.1% | -7.7 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.5M | $500K | $0 | $3.0M | $5K | 0.29% | 3.22% | 0.00% |
| Q1 2026 | $3.5M | $500K | $0 | $3.0M | $-2K | -0.23% | 3.23% | 0.00% |
| Q4 2025 | $3.5M | $500K | $0 | $3.0M | $26K | 0.74% | 3.88% | 0.00% |
| Q3 2025 | $3.5M | $500K | $0 | $3.0M | $25K | 0.95% | 3.98% | 0.00% |
| Q2 2025 | $3.5M | $500K | $0 | $3.0M | $21K | 1.20% | 3.95% | 0.00% |
| Q1 2025 | $3.5M | $500K | $0 | $3.0M | $18K | 2.07% | 3.95% | 0.00% |
| Q4 2024 | $3.5M | $500K | $0 | $3.0M | $35K | 1.01% | 4.84% | 0.00% |
| Q3 2024 | $3.5M | $500K | $0 | $3.0M | $48K | 1.85% | 5.02% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Emigrant Mercantile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 8.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 70.8% | 82th |
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 | Emigrant Mercantile 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 | Emigrant Mercantile 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 | Emigrant Mercantile 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 | Emigrant Mercantile Bank | 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.