| Metric | Eureka Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 4.3% | 11.9% | -7.5 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $435.8M | $319.5M | $267.5M | $90.5M | $1.9M | 0.89% | 3.30% | 1.89% |
| Q1 2026 | $439.4M | $324.2M | $264.9M | $90.0M | $1.0M | 0.95% | 3.21% | 0.49% |
| Q4 2025 | $431.5M | $316.9M | $264.1M | $89.0M | $4.2M | 1.01% | 3.05% | 0.55% |
| Q3 2025 | $422.6M | $309.5M | $252.9M | $87.5M | $3.3M | 1.05% | 3.01% | 0.56% |
| Q2 2025 | $419.7M | $309.5M | $250.5M | $84.5M | $2.1M | 1.00% | 2.99% | 0.61% |
| Q1 2025 | $421.1M | $311.7M | $245.8M | $83.4M | $982K | 0.94% | 2.88% | 0.65% |
| Q4 2024 | $413.0M | $304.5M | $248.3M | $81.7M | $3.9M | 0.97% | 2.87% | 0.62% |
| Q3 2024 | $410.8M | $300.9M | $247.2M | $82.3M | $2.8M | 0.93% | 2.84% | 0.63% |
Loan mix (Q2 2026): real estate $231.6M · commercial $31.9M · consumer $2.3M · securities $120.8M
| Ratio | Eureka Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 31th |
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 | Eureka Savings 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 | Eureka Savings 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 | Eureka Savings 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 | Eureka Savings 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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