| Metric | Northeast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.2% | +5.5% | +16.7 pts |
| Deposit growth (YoY) | +9.6% | +5.1% | +4.5 pts |
| Loan growth (YoY) | +21.1% | +5.9% | +15.2 pts |
| ROA | 2.53% | 1.26% | +1.3 pts |
| ROE | 22.6% | 12.2% | +10.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.23B | $3.73B | $4.53B | $603.9M | $64.2M | 2.53% | 5.01% | 0.67% |
| Q1 2026 | $5.03B | $3.70B | $4.50B | $567.7M | $29.9M | 2.39% | 5.18% | 0.78% |
| Q4 2025 | $4.95B | $3.86B | $4.37B | $536.0M | $87.2M | 2.01% | 4.65% | 0.73% |
| Q3 2025 | $4.17B | $3.30B | $3.72B | $513.6M | $66.4M | 2.11% | 4.84% | 0.84% |
| Q2 2025 | $4.28B | $3.41B | $3.74B | $494.3M | $43.9M | 2.09% | 4.89% | 0.83% |
| Q1 2025 | $4.23B | $3.33B | $3.75B | $467.5M | $18.7M | 1.80% | 4.54% | 0.79% |
| Q4 2024 | $4.08B | $3.18B | $3.58B | $444.1M | $68.6M | 2.00% | 4.88% | 0.77% |
| Q3 2024 | $3.94B | $3.16B | $3.48B | $392.6M | $46.1M | 1.89% | 4.80% | 0.94% |
Loan mix (Q2 2026): real estate $3.45B · commercial $246.5M · consumer $92K · securities $95.6M
| Ratio | Northeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.7% | 59.0% | 5th |
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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