| Metric | Bank Irvine | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +31.1% | +4.4% | +26.7 pts |
| Deposit growth (YoY) | +42.9% | +4.0% | +39.0 pts |
| Loan growth (YoY) | +26.5% | +5.6% | +20.9 pts |
| ROA | 0.97% | 1.24% | -0.3 pts |
| ROE | 4.2% | 11.9% | -7.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $305.6M | $234.7M | $235.7M | $69.9M | $1.4M | 0.97% | 3.34% | 0.00% |
| Q1 2026 | $306.5M | $236.0M | $213.2M | $69.0M | $685K | 0.92% | 3.29% | 0.00% |
| Q4 2025 | $286.0M | $216.6M | $216.4M | $68.3M | $2.1M | 0.87% | 3.80% | 0.00% |
| Q3 2025 | $248.8M | $178.9M | $190.6M | $67.7M | $1.7M | 0.94% | 3.91% | 0.00% |
| Q2 2025 | $233.2M | $164.2M | $186.4M | $67.0M | $1.1M | 0.92% | 3.90% | 0.00% |
| Q1 2025 | $243.6M | $175.9M | $189.2M | $66.2M | $290K | 0.51% | 3.71% | 0.00% |
| Q4 2024 | $213.1M | $182.3M | $172.5M | $29.5M | $570K | 0.29% | 3.34% | 0.00% |
| Q3 2024 | $214.3M | $183.9M | $171.2M | $29.2M | $322K | 0.22% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $210.5M · commercial $28.4M · consumer $0 · securities $0
| Ratio | Bank Irvine | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.24% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 22nd |
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 | Bank Irvine | 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 | Bank Irvine | 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 | Bank Irvine | 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 | Bank Irvine | 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 | Bank Irvine | 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $164.2M branch deposits. Biggest market: Orange, CA, ranked 65th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $164.2M | 0.10% | 65th |
California: 274th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 140th, 0.02% ·
Branch count: 2023 1 · 2024 1 · 2025 1