| Metric | ESB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.4% | +8.7 pts |
| Deposit growth (YoY) | +12.0% | +4.0% | +8.0 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.1 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 16.6% | 11.9% | +4.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.9M | $179.1M | $162.4M | $19.0M | $1.6M | 1.54% | 3.55% | 0.91% |
| Q1 2026 | $198.1M | $168.6M | $157.1M | $18.7M | $751K | 1.52% | 3.50% | 1.03% |
| Q4 2025 | $196.1M | $167.1M | $156.8M | $18.4M | $3.0M | 1.59% | 3.57% | 0.34% |
| Q3 2025 | $189.9M | $161.4M | $159.7M | $17.6M | $2.2M | 1.58% | 3.53% | 0.25% |
| Q2 2025 | $184.7M | $160.0M | $154.1M | $17.9M | $1.4M | 1.48% | 3.46% | 0.35% |
| Q1 2025 | $180.7M | $154.5M | $148.0M | $17.5M | $646K | 1.43% | 3.39% | 0.36% |
| Q4 2024 | $181.5M | $154.9M | $144.5M | $17.1M | $2.5M | 1.44% | 3.46% | 0.36% |
| Q3 2024 | $176.7M | $148.2M | $145.4M | $16.6M | $1.9M | 1.53% | 3.47% | 0.02% |
Loan mix (Q2 2026): real estate $123.5M · commercial $21.3M · consumer $6.5M · securities $14.8M
| Ratio | ESB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 23th |
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 | ESB 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 | ESB 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 | ESB 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 | ESB 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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