| Metric | New Era Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 2.46% | 1.24% | +1.2 pts |
| ROE | 17.5% | 11.9% | +5.6 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 | $453.1M | $387.7M | $250.7M | $63.7M | $5.5M | 2.46% | 4.15% | 0.37% |
| Q1 2026 | $449.2M | $384.7M | $250.8M | $62.7M | $2.6M | 2.35% | 4.12% | 0.38% |
| Q4 2025 | $438.6M | $374.3M | $251.9M | $62.6M | $10.5M | 2.41% | 4.09% | 0.45% |
| Q3 2025 | $439.8M | $376.9M | $246.8M | $61.2M | $7.5M | 2.31% | 4.03% | 0.45% |
| Q2 2025 | $433.6M | $373.2M | $242.6M | $58.9M | $4.6M | 2.15% | 3.98% | 1.61% |
| Q1 2025 | $433.8M | $375.2M | $251.3M | $56.9M | $1.9M | 1.77% | 3.79% | 1.90% |
| Q4 2024 | $425.4M | $367.8M | $260.4M | $55.8M | $8.3M | 1.98% | 3.67% | 0.50% |
| Q3 2024 | $417.1M | $360.2M | $260.1M | $55.1M | $6.2M | 1.99% | 3.61% | 0.10% |
Loan mix (Q2 2026): real estate $226.4M · commercial $8.8M · consumer $6.6M · securities $117.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | New Era Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.46% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.0% | 62.9% | 9th |
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 | New Era 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 | New Era Bank | 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 | New Era 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 | New Era 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 | New Era Bank | 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.
8 branches in 2 counties across 1 state (+0 vs 2025) · $387.7M branch deposits. Biggest market: St. Francois, MO, ranked 3rd with 11.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Francois, MO | 5 | $203.7M | 11.56% | 3rd |
| Madison, MO | 3 | $184.0M | 56.15% | 1st |
Missouri: 106th with 0.13% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8 · 2026 8
Technology spend in line with peers (18 bps of assets, 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).