| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.6 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.0 pts |
| ROA | 2.00% | 1.26% | +0.7 pts |
| ROE | 12.0% | 12.2% | -0.2 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.11B | $1.54B | $1.91B | $351.7M | $20.6M | 2.00% | 4.93% | 0.00% |
| Q1 2026 | $2.02B | $1.64B | $1.82B | $341.1M | $10.4M | 2.03% | 4.93% | 0.00% |
| Q4 2025 | $2.06B | $1.62B | $1.85B | $340.4M | $45.5M | 2.28% | 5.25% | 0.00% |
| Q3 2025 | $2.05B | $1.53B | $1.86B | $328.8M | $34.4M | 2.31% | 5.26% | 0.03% |
| Q2 2025 | $1.97B | $1.49B | $1.79B | $316.1M | $22.2M | 2.26% | 5.23% | 0.04% |
| Q1 2025 | $1.92B | $1.59B | $1.72B | $304.1M | $10.7M | 2.19% | 5.13% | 0.27% |
| Q4 2024 | $1.99B | $1.68B | $1.79B | $292.9M | $47.6M | 2.52% | 5.61% | 0.26% |
| Q3 2024 | $1.95B | $1.63B | $1.74B | $288.0M | $37.1M | 2.65% | 5.72% | 0.28% |
Loan mix (Q2 2026): real estate $1.77B · commercial $150.4M · consumer $0 · securities $45.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | NorthEast Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
94th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 59.0% | 8th |
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 Community 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 Community 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 Community 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 Community 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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