| Metric | Equity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +43.9% | +5.5% | +38.4 pts |
| Deposit growth (YoY) | +47.9% | +5.1% | +42.9 pts |
| Loan growth (YoY) | +50.3% | +5.9% | +44.4 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 11.8% | 12.2% | -0.4 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.71B | $6.33B | $5.34B | $895.8M | $49.5M | 1.37% | 4.59% | 0.87% |
| Q1 2026 | $7.65B | $6.33B | $5.37B | $879.6M | $20.0M | 1.15% | 4.76% | 0.79% |
| Q4 2025 | $6.33B | $5.18B | $4.15B | $749.3M | $31.8M | 0.55% | 4.49% | 0.77% |
| Q3 2025 | $6.36B | $5.18B | $4.22B | $721.0M | $12.0M | 0.28% | 4.41% | 0.86% |
| Q2 2025 | $5.36B | $4.28B | $3.56B | $606.5M | $35.1M | 1.31% | 4.29% | 0.89% |
| Q1 2025 | $5.43B | $4.51B | $3.59B | $602.0M | $16.5M | 1.23% | 4.31% | 0.55% |
| Q4 2024 | $5.32B | $4.48B | $3.46B | $573.8M | $60.5M | 1.16% | 4.12% | 0.60% |
| Q3 2024 | $5.35B | $4.39B | $3.56B | $569.8M | $42.1M | 1.08% | 4.06% | 0.64% |
Loan mix (Q2 2026): real estate $4.10B · commercial $951.4M · consumer $62.2M · securities $1.23B
| Ratio | Equity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 59.0% | 40th |
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 | Equity 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 | Equity 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 | Equity 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 | Equity 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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