| Metric | Equitable Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.9% | -3.9 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.8 pts |
| Loan growth (YoY) | +0.9% | +5.3% | -4.5 pts |
| ROA | 1.10% | 1.28% | -0.2 pts |
| ROE | 10.5% | 12.4% | -1.9 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $523.5M | $448.5M | $448.2M | $54.9M | $2.8M | 1.10% | 3.74% | 0.20% |
| Q1 2026 | $517.2M | $453.5M | $436.4M | $54.3M | $1.2M | 0.92% | 3.65% | 0.20% |
| Q4 2025 | $515.5M | $450.3M | $443.1M | $53.1M | $3.3M | 0.64% | 3.43% | 0.20% |
| Q3 2025 | $504.8M | $431.2M | $435.5M | $52.0M | $2.2M | 0.56% | 3.37% | 0.22% |
| Q2 2025 | $518.5M | $455.0M | $444.3M | $51.4M | $1.7M | 0.64% | 3.29% | 0.31% |
| Q1 2025 | $527.7M | $465.0M | $438.4M | $49.6M | $510K | 0.39% | 3.23% | 0.32% |
| Q4 2024 | $507.3M | $445.2M | $449.1M | $49.3M | $3.3M | 0.66% | 3.05% | 0.21% |
| Q3 2024 | $504.7M | $440.4M | $439.6M | $48.3M | $2.1M | 0.56% | 2.97% | 0.71% |
Loan mix (Q2 2026): real estate $371.6M · commercial $30.3M · consumer $4.2M · securities $37.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Equitable Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.28% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 61.2% | 76th |
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 | Equitable 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 | Equitable 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 | Equitable 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 | Equitable 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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