| Metric | ESB Financial | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +14.7% | +5.6% | +9.1 pts |
| ROA | 1.69% | 1.24% | +0.5 pts |
| ROE | 20.8% | 11.9% | +9.0 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $381.3M | $335.9M | $269.3M | $32.0M | $3.3M | 1.69% | 3.76% | 1.13% |
| Q1 2026 | $392.7M | $343.4M | $263.0M | $30.8M | $1.5M | 1.58% | 3.64% | 1.01% |
| Q4 2025 | $381.4M | $330.9M | $252.6M | $31.1M | $4.1M | 1.14% | 3.63% | 1.15% |
| Q3 2025 | $371.7M | $322.2M | $244.8M | $30.8M | $3.6M | 1.36% | 3.63% | 0.27% |
| Q2 2025 | $361.2M | $313.6M | $234.8M | $29.3M | $2.4M | 1.37% | 3.31% | 0.75% |
| Q1 2025 | $350.5M | $304.6M | $220.3M | $27.6M | $1.1M | 1.24% | 3.28% | 0.78% |
| Q4 2024 | $346.6M | $301.8M | $224.3M | $26.2M | $2.7M | 0.79% | 3.03% | 0.91% |
| Q3 2024 | $338.4M | $293.0M | $216.2M | $27.3M | $2.1M | 0.82% | 2.94% | 0.65% |
Loan mix (Q2 2026): real estate $201.9M · commercial $42.2M · consumer $5.7M · securities $81.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | ESB Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 62.9% | 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 | ESB Financial | 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 Financial | 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 Financial | 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 Financial | 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.