| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +4.4% | -10.2 pts |
| Deposit growth (YoY) | -5.8% | +4.0% | -9.7 pts |
| Loan growth (YoY) | -8.6% | +5.6% | -14.2 pts |
| ROA | -0.70% | 1.24% | -1.9 pts |
| ROE | -6.3% | 11.9% | -18.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $394.5M | $348.3M | $346.1M | $44.0M | $-1.4M | -0.70% | 5.10% | 1.03% |
| Q1 2026 | $408.0M | $361.2M | $360.0M | $44.8M | $-616K | -0.60% | 5.05% | 0.88% |
| Q4 2025 | $409.5M | $361.4M | $366.9M | $45.4M | $-2.1M | -0.51% | 4.99% | 0.45% |
| Q3 2025 | $423.8M | $375.3M | $375.2M | $46.1M | $-1.4M | -0.45% | 4.82% | 0.36% |
| Q2 2025 | $418.8M | $369.7M | $378.7M | $46.9M | $-656K | -0.31% | 4.79% | 0.28% |
| Q1 2025 | $416.0M | $366.8M | $381.0M | $47.0M | $-513K | -0.49% | 4.63% | 0.22% |
| Q4 2024 | $422.0M | $372.4M | $372.4M | $47.5M | $-1.8M | -0.44% | 4.45% | 0.37% |
| Q3 2024 | $425.7M | $375.9M | $386.6M | $47.6M | $-1.7M | -0.55% | 4.31% | 0.28% |
Loan mix (Q2 2026): real estate $126.2M · commercial $199K · consumer $228.8M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 1.24% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -6.3% | 11.9% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
4 branches in 4 counties across 1 state (+0 vs 2025) · $348.3M branch deposits. Biggest market: San Diego, CA, ranked 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Diego, CA | 1 | $196.6M | 0.12% | 36th |
| Fresno, CA | 1 | $89.4M | 0.34% | 26th |
| Los Angeles, CA | 1 | $54.3M | 0.01% | 157th |
| 1 more county with Pro → | ||||
California: 221st with 0.02% · San Diego-Chula Vista-Carlsbad metro: 36th, 0.12% · Fresno metro: 26th, 0.31% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (32 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).