| Metric | The Bank of Edison | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | +3.2% | +2.5% | +0.8 pts |
| Loan growth (YoY) | +6.5% | +2.6% | +3.9 pts |
| ROA | 1.80% | 0.99% | +0.8 pts |
| ROE | 31.7% | 8.1% | +23.6 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.9M | $78.6M | $49.6M | $5.1M | $762K | 1.80% | 4.41% | 1.07% |
| Q1 2026 | $84.9M | $79.8M | $49.0M | $4.7M | $269K | 1.27% | 4.40% | 1.00% |
| Q4 2025 | $84.7M | $79.8M | $47.0M | $4.6M | $718K | 0.87% | 4.38% | 0.98% |
| Q3 2025 | $88.4M | $82.3M | $47.4M | $4.8M | $749K | 1.22% | 4.33% | 1.14% |
| Q2 2025 | $80.5M | $76.1M | $46.6M | $4.1M | $575K | 1.44% | 4.35% | 0.93% |
| Q1 2025 | $80.5M | $76.4M | $42.0M | $3.9M | $368K | 1.85% | 4.11% | 0.10% |
| Q4 2024 | $79.0M | $75.4M | $42.3M | $3.4M | $695K | 0.87% | 4.38% | 0.33% |
| Q3 2024 | $83.4M | $74.7M | $47.1M | $4.5M | $807K | 1.34% | 4.43% | 0.28% |
Loan mix (Q2 2026): real estate $29.2M · commercial $3.7M · consumer $3.0M · securities $24.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Edison | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.99% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 31.7% | 8.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 70.8% | 45th |
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 | The Bank of Edison | 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 | The Bank of Edison | 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 | The Bank of Edison | 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 | The Bank of Edison | 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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