| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +10.5% | +4.0% | +6.5 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $461.9M | $379.1M | $267.9M | $51.0M | $2.7M | 1.22% | 3.20% | 0.00% |
| Q1 2026 | $443.3M | $353.9M | $268.8M | $50.0M | $1.4M | 1.23% | 3.23% | 0.00% |
| Q4 2025 | $449.0M | $358.8M | $267.0M | $50.8M | $4.9M | 1.12% | 3.07% | 0.27% |
| Q3 2025 | $440.1M | $341.2M | $261.7M | $49.6M | $3.6M | 1.11% | 3.04% | 0.29% |
| Q2 2025 | $435.6M | $343.1M | $259.2M | $48.0M | $2.3M | 1.05% | 2.99% | 0.01% |
| Q1 2025 | $432.0M | $346.8M | $256.9M | $46.0M | $875K | 0.80% | 2.93% | 0.02% |
| Q4 2024 | $438.3M | $352.6M | $254.3M | $44.7M | $4.1M | 0.95% | 2.59% | 0.02% |
| Q3 2024 | $428.6M | $339.5M | $249.2M | $46.4M | $3.1M | 0.97% | 2.54% | 0.02% |
Loan mix (Q2 2026): real estate $178.8M · commercial $28.9M · consumer $1.0M · securities $130.3M
| Ratio | Northeast Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 62.9% | 20th |
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 Security 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 Security 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 Security 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 Security 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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