| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +5.5% | +16.9 pts |
| Deposit growth (YoY) | +22.4% | +5.1% | +17.3 pts |
| Loan growth (YoY) | +27.6% | +6.0% | +21.6 pts |
| ROA | 2.34% | 1.26% | +1.1 pts |
| ROE | 21.1% | 12.2% | +8.9 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.49B | $2.20B | $1.88B | $278.5M | $28.2M | 2.34% | 6.06% | 0.21% |
| Q1 2026 | $2.41B | $2.12B | $1.79B | $267.5M | $13.8M | 2.33% | 6.00% | 0.03% |
| Q4 2025 | $2.35B | $2.08B | $1.73B | $257.6M | $55.2M | 2.66% | 6.19% | 0.37% |
| Q3 2025 | $2.17B | $1.90B | $1.52B | $244.4M | $40.5M | 2.69% | 6.21% | 0.40% |
| Q2 2025 | $2.04B | $1.80B | $1.47B | $230.1M | $25.1M | 2.58% | 6.17% | 0.43% |
| Q1 2025 | $1.93B | $1.70B | $1.39B | $219.2M | $12.4M | 2.62% | 6.10% | 0.41% |
| Q4 2024 | $1.87B | $1.65B | $1.37B | $204.1M | $47.2M | 2.75% | 6.10% | 0.58% |
| Q3 2024 | $1.77B | $1.55B | $1.28B | $205.3M | $34.3M | 2.74% | 6.08% | 0.62% |
Loan mix (Q2 2026): real estate $537.2M · commercial $1.34B · consumer $26.4M · securities $296.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 12.2% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 59.0% | 13th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
Esquire Bank, National Association is in an open deal as the acquirer: Esquire Financial Holdings, Inc. to acquire Signature Bank (approved). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 1, 2026 | Acquirer | Signature Bank | Merger | Completed | OCC |
| Jun 5, 2026 | Acquirer | Signature Bank | Merger | Approved | Federal Reserve |
3 branches in 2 counties across 2 states (+1 vs 2025) · $2.20B branch deposits. Biggest market: Nassau, NY, ranked 11th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 2 | $2.20B | 1.98% | 11th |
| Los Angeles, CA | 1 | $0 | 0.00% | 191st |
New York: 66th with 0.08% · California: 437th with 0.00% · New York-Newark-Jersey City metro: 62nd, 0.07% · Los Angeles-Long Beach-Anaheim metro: 220th, 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3
Technology spend up 27% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).