| Metric | EntreBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.3% | +4.9% | +25.4 pts |
| Deposit growth (YoY) | +31.5% | +4.3% | +27.1 pts |
| Loan growth (YoY) | +41.9% | +5.3% | +36.6 pts |
| ROA | 1.68% | 1.28% | +0.4 pts |
| ROE | 18.4% | 12.4% | +6.0 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 | $527.1M | $474.3M | $450.0M | $48.0M | $4.2M | 1.68% | 4.31% | 0.02% |
| Q1 2026 | $502.3M | $450.8M | $428.5M | $45.9M | $2.2M | 1.74% | 4.29% | 0.00% |
| Q4 2025 | $485.4M | $435.8M | $412.5M | $43.8M | $6.9M | 1.66% | 4.07% | 0.00% |
| Q3 2025 | $432.5M | $385.7M | $354.9M | $41.7M | $4.8M | 1.61% | 4.02% | 0.00% |
| Q2 2025 | $404.5M | $360.7M | $317.1M | $39.7M | $2.9M | 1.48% | 3.83% | 0.00% |
| Q1 2025 | $388.7M | $346.6M | $311.8M | $38.0M | $1.2M | 1.25% | 3.70% | 0.00% |
| Q4 2024 | $362.4M | $321.0M | $287.8M | $36.9M | $2.3M | 0.80% | 3.53% | 0.00% |
| Q3 2024 | $337.0M | $297.1M | $242.0M | $35.8M | $1.2M | 0.59% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $212.6M · commercial $239.6M · consumer $2.9M · securities $0
| Ratio | EntreBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.28% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.4% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 61.2% | 21th |
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 | EntreBank | 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 | EntreBank | 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 | EntreBank | 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 | EntreBank | 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.