| Metric | Bank of San Francisco | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.5% | +4.9% | +23.6 pts |
| Deposit growth (YoY) | +27.2% | +4.3% | +22.9 pts |
| Loan growth (YoY) | +26.5% | +5.3% | +21.1 pts |
| ROA | 0.93% | 1.28% | -0.3 pts |
| ROE | 8.6% | 12.4% | -3.8 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $863.6M | $740.7M | $687.5M | $86.9M | $3.7M | 0.93% | 4.34% | 0.07% |
| Q1 2026 | $767.5M | $670.0M | $629.3M | $85.1M | $2.0M | 1.07% | 4.54% | 0.11% |
| Q4 2025 | $733.1M | $637.6M | $615.4M | $83.1M | $6.8M | 1.01% | 4.46% | 0.09% |
| Q3 2025 | $698.4M | $606.0M | $573.9M | $80.6M | $4.6M | 0.93% | 4.37% | 0.15% |
| Q2 2025 | $671.9M | $582.2M | $543.7M | $78.5M | $2.7M | 0.85% | 4.29% | 0.17% |
| Q1 2025 | $638.9M | $553.5M | $523.8M | $76.7M | $1.1M | 0.70% | 4.18% | 0.18% |
| Q4 2024 | $615.4M | $530.7M | $501.3M | $75.3M | $6.5M | 1.06% | 4.06% | 0.21% |
| Q3 2024 | $637.1M | $555.1M | $512.1M | $73.8M | $4.9M | 1.06% | 3.97% | 0.43% |
Loan mix (Q2 2026): real estate $626.5M · commercial $68.9M · consumer $245K · securities $30.0M
| Ratio | Bank of San Francisco | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.28% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 61.2% | 59th |
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 of San Francisco | 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 of San Francisco | 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 of San Francisco | 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 of San Francisco | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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