Eastern Federal Bank
Norwich, CT · Cert 28167 · Peer group: banks under $1B in assets (n=528-576)
FDIC · 5 branches
Q2 2025
$262.6MAssets
$221.6MLoans
$234.9MDeposits
$18.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 35% of banks under $1B in assets (rank 343 of 528).
- Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 522 of 575).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.09%
Rank 516 of 576
Net Interest Margin
2.75%
Rank 456 of 575
Efficiency Ratio
96.21%
Rank 522 of 575
Equity / Assets
7.05%
Rank 522 of 575
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 9% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.09% | 0.51% | 0.91% | 1.43% | Beats 10% | 516 / 576 | | |
| Return on Equity | 1.30% | 4.85% | 8.92% | 13.13% | Beats 12% | 505 / 575 | | |
| Net Interest Margin | 2.75% | 2.85% | 3.33% | 3.90% | Beats 21% | 456 / 575 | | |
| Efficiency Ratio | 96.21% | 58.61% | 70.08% | 82.08% | Beats 9% | 522 / 575 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.06% | 0.34% | 0.93% | Beats 13% | 460 / 528 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 343 / 528 | | |
| Capital |
| Tier 1 Capital Ratio | 10.58% | 11.22% | 13.91% | 18.96% | Beats 17% | 478 / 575 | | |
| Total Risk-Based Capital Ratio | 11.48% | 11.76% | 14.45% | 19.92% | Beats 22% | 449 / 575 | | |
| Equity / Assets | 7.05% | 8.53% | 10.12% | 12.97% | Beats 9% | 522 / 575 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.33% | 64.54% | 78.36% | 91.99% | 79th pctl | 114 / 538 | | |
| Loans / Assets | 84.38% | 55.85% | 68.40% | 77.98% | 91st pctl | 49 / 528 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |