PackageTrendsPeer
Letter portraitLegal landscape

Echelon Bank

Clearwater, FL · Cert 59377

3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2026Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

1

Q2 2026Q2 2026peer median (50)

Liquidity

0

Q2 2026Q2 2026peer median

Efficiency

0

Q2 2026Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Echelon Bank

Clearwater, FL · Cert 59377

3 branches

Q2 2026

$52.2MAssets
$3.8MLoans
$23.5MDeposits
$27.2MEquity

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.0% share · #54 of 60 inst. · $0.0B of $131.5B

0.0% Pinellas
0.0% Hillsborough

Executive Summary

  • Earnings: ROA of -8.19%; NIM at 0.48%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 67.36%.
  • Funding: loans stand at 16.16% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-8.19%
n/a

Net Interest Margin (YTD, annualized)

0.48%
n/a

Efficiency Ratio (YTD, annualized)

2359%
n/a

Tier 1 Leverage Ratio

67.36%
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets-8.19%n/an/a
Return on Equity-15.72%n/an/a
Net Interest Margin0.48%n/an/a
Efficiency Ratio2359%n/an/a
Non-Interest Burden11.80%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Deposit Growth (YoY)n/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%n/an/a
Net Charge-Offs / Loans0.00%n/an/a
Allowance / Loans1.11%n/an/a
Allowance Coverage of NPLsn/an/an/a
Capital
Tier 1 Leverage Ratio67.36%n/an/a
Total Risk-Based Capital176.57%n/an/a
Equity / Assets52.08%n/an/a
Liquidity & Funding
Loans / Deposits16.16%n/an/a
Liquid Assets / Assets86.80%n/an/a
CRE / Total Capitaln/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Echelon Bank

Clearwater, FL · Cert 59377 · Peer group: banks under $1B in assets (n=581-629)

3 branches

Q2 2026

$52.2MAssets
$3.8MLoans
$23.5MDeposits
$27.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 100% of banks under $1B in assets (rank 628 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-8.19%

Rank 623 of 629

Net Interest Margin

0.48%

Rank 622 of 629

Efficiency Ratio

2359%

Rank 628 of 629

Equity / Assets

52.08%

Rank 44 of 629

Non-interest income vs. expense

$0.0M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 0% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-8.19%0.60%1.01%1.45%Beats 1%623 / 629n/a
Return on Equity-15.72%5.38%9.30%13.28%Beats 2%614 / 629n/a
Net Interest Margin0.48%3.03%3.54%4.05%Beats 1%622 / 629n/a
Efficiency Ratio2359%58.35%67.79%79.08%Beats 0%628 / 629n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581n/a
Capital
Tier 1 Capital Ratio176.30%11.24%13.84%18.77%Beats 97%20 / 629n/a
Total Risk-Based Capital Ratio176.57%11.58%14.43%19.66%Beats 97%20 / 629n/a
Equity / Assets52.08%9.09%10.65%13.80%Beats 93%44 / 629n/a
Liquidity & Funding
Loans / Deposits16.16%67.24%80.90%93.48%3rd pctl579 / 594n/a
Loans / Assets7.28%53.31%67.71%78.15%8th pctl579 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution