| Metric | Northeast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Deposit growth (YoY) | +0.3% | +4.3% | -4.1 pts |
| Loan growth (YoY) | +0.3% | +5.3% | -5.0 pts |
| ROA | 1.49% | 1.28% | +0.2 pts |
| ROE | 18.1% | 12.4% | +5.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $837.3M | $760.7M | $591.0M | $70.0M | $6.2M | 1.49% | 4.08% | 0.23% |
| Q1 2026 | $838.4M | $765.2M | $605.2M | $67.0M | $3.1M | 1.48% | 4.00% | 0.17% |
| Q4 2025 | $828.9M | $716.1M | $604.4M | $69.5M | $9.1M | 1.12% | 3.88% | 0.21% |
| Q3 2025 | $823.9M | $741.0M | $593.8M | $66.5M | $7.7M | 1.27% | 3.84% | 0.52% |
| Q2 2025 | $825.3M | $758.9M | $589.1M | $60.0M | $5.4M | 1.35% | 3.80% | 0.40% |
| Q1 2025 | $805.3M | $741.9M | $575.5M | $57.9M | $2.8M | 1.41% | 3.76% | 0.03% |
| Q4 2024 | $779.0M | $634.5M | $550.5M | $55.9M | $9.3M | 1.22% | 3.55% | 0.03% |
| Q3 2024 | $772.4M | $703.0M | $525.7M | $62.4M | $7.1M | 1.26% | 3.49% | 0.05% |
Loan mix (Q2 2026): real estate $489.4M · commercial $100.5M · consumer $623K · securities $211.0M
| Ratio | Northeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.28% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 61.2% | 60th |
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 | Northeast 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 | Northeast 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 | Northeast 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 | Northeast 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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