Echelon Bank: Income and Expense
BankRegReports is independent of Echelon Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RI How we update
Echelon Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was -$1.3M in Q3 2026.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
The standout move of Q3 2026 was in Return on assets: 13.95 percentage points higher than in Q2 2026, at -7.23%. On return on assets, Echelon Bank is 3rd from the bottom among 81 Florida banks, -7.23% (Q3 2026). Against a median of 0.98% for banks in the < $100M asset tier, Echelon Bank reported -7.23% on return on assets in Q3 2026, 8.21 points lower.
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | -$1.3M |
| Return on assets | -7.23% |
| Return on equity | -18.93% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $146K |
| Total interest expense | $342K |
| Interest expense on deposits | $342K |
| Net interest margin | 2.06% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $1.9M |
| Salaries and general administrative expense | $1.6M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $341K |
| Efficiency ratio | 524.24% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $2.6M |
| Revenue per employee | $44K |
| Full-time equivalent employees | 33 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $184K |
| Provision expense to average assets | 1.03% |
| Realized gain/(loss) on securities | $0 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Income and Expense trend
Income and Expense by quarter
| Quarter | Net income | Return on assets | Efficiency ratio |
|---|---|---|---|
| Q2 2026 | -$2.1M | -21.18% | 2359.41% |
| Q3 2026 | -$1.3M | -7.23% | 524.24% |
Echelon Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. How these pages are built. See the full Echelon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59377) · FFIEC NIC profile (RSSD 6062484)