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
Unfavorable gap of $4.8M · efficiency ratio beats 0% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -8.19% | 0.60% | 1.01% | 1.45% | Beats 1% | 623 / 629 | |
| Return on Equity | -15.72% | 5.38% | 9.30% | 13.28% | Beats 2% | 614 / 629 | |
| Net Interest Margin | 0.48% | 3.03% | 3.54% | 4.05% | Beats 1% | 622 / 629 | |
| Efficiency Ratio | 2359% | 58.35% | 67.79% | 79.08% | Beats 0% | 628 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 176.30% | 11.24% | 13.84% | 18.77% | Beats 97% | 20 / 629 | |
| Total Risk-Based Capital Ratio | 176.57% | 11.58% | 14.43% | 19.66% | Beats 97% | 20 / 629 | |
| Equity / Assets | 52.08% | 9.09% | 10.65% | 13.80% | Beats 93% | 44 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 16.16% | 67.24% | 80.90% | 93.48% | 3rd pctl | 579 / 594 | |
| Loans / Assets | 7.28% | 53.31% | 67.71% | 78.15% | 8th pctl | 579 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |