| Metric | 21st Century Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.9% | +4.3 pts |
| Deposit growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +9.5% | +5.3% | +4.2 pts |
| ROA | 1.31% | 1.28% | +0.0 pts |
| ROE | 13.9% | 12.4% | +1.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $894.8M | $658.8M | $666.6M | $82.7M | $5.8M | 1.31% | 3.63% | 0.17% |
| Q1 2026 | $887.9M | $677.9M | $669.7M | $82.0M | $1.5M | 0.67% | 3.52% | 0.34% |
| Q4 2025 | $875.9M | $658.6M | $655.0M | $87.2M | $9.3M | 1.12% | 3.29% | 0.34% |
| Q3 2025 | $864.6M | $664.0M | $627.5M | $84.0M | $6.0M | 0.98% | 3.20% | 0.23% |
| Q2 2025 | $819.4M | $624.4M | $608.7M | $78.7M | $3.5M | 0.87% | 3.15% | 0.26% |
| Q1 2025 | $820.4M | $626.3M | $606.4M | $78.2M | $1.3M | 0.66% | 3.01% | 0.30% |
| Q4 2024 | $773.9M | $585.7M | $609.8M | $76.0M | $4.7M | 0.62% | 2.70% | 0.28% |
| Q3 2024 | $756.2M | $591.9M | $598.6M | $78.4M | $3.2M | 0.57% | 2.60% | 0.38% |
Loan mix (Q2 2026): real estate $570.0M · commercial $102.1M · consumer $491K · securities $187.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 21st Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 61.2% | 19th |
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 | 21st Century Bank | 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 | 21st Century Bank | 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 | 21st Century Bank | 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 | 21st Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.