| Metric | EverTrust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +5.5% | +6.1 pts |
| Deposit growth (YoY) | +15.1% | +5.1% | +10.1 pts |
| Loan growth (YoY) | +2.5% | +5.9% | -3.4 pts |
| ROA | 1.01% | 1.26% | -0.2 pts |
| ROE | 4.4% | 12.2% | -7.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.13B | $848.6M | $807.9M | $261.7M | $5.6M | 1.01% | 3.50% | 0.63% |
| Q1 2026 | $1.11B | $839.6M | $814.6M | $258.9M | $2.8M | 1.01% | 3.52% | 0.61% |
| Q4 2025 | $1.11B | $834.2M | $832.1M | $256.2M | $12.5M | 1.22% | 3.78% | 0.64% |
| Q3 2025 | $1.09B | $816.4M | $806.9M | $252.7M | $9.6M | 1.27% | 3.84% | 0.26% |
| Q2 2025 | $1.01B | $737.1M | $788.4M | $248.6M | $5.9M | 1.22% | 3.82% | 0.24% |
| Q1 2025 | $963.2M | $698.9M | $709.7M | $244.8M | $2.8M | 1.15% | 3.70% | 0.24% |
| Q4 2024 | $946.5M | $681.7M | $654.5M | $241.0M | $19.8M | 2.18% | 3.98% | 0.25% |
| Q3 2024 | $893.0M | $644.1M | $674.9M | $231.1M | $8.6M | 1.29% | 4.06% | 0.79% |
Loan mix (Q2 2026): real estate $664.9M · commercial $152.1M · consumer $0 · securities $87.6M
| Ratio | EverTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 59.0% | 41th |
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 | EverTrust 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 | EverTrust 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 | EverTrust 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 | EverTrust 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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