| Metric | Bank of Stockton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.5% | +2.2 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +4.2% | +5.9% | -1.8 pts |
| ROA | 6.08% | 1.26% | +4.8 pts |
| ROE | 32.2% | 12.2% | +20.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.99B | $3.80B | $2.40B | $975.6M | $147.9M | 6.08% | 3.72% | 0.04% |
| Q1 2026 | $4.83B | $3.75B | $2.38B | $897.9M | $54.9M | 4.57% | 3.63% | 0.04% |
| Q4 2025 | $4.78B | $3.74B | $2.39B | $880.0M | $108.5M | 2.34% | 3.42% | 0.04% |
| Q3 2025 | $4.74B | $3.70B | $2.32B | $884.1M | $107.6M | 3.12% | 3.35% | 0.04% |
| Q2 2025 | $4.64B | $3.67B | $2.31B | $825.7M | $58.2M | 2.56% | 3.29% | 0.10% |
| Q1 2025 | $4.55B | $3.59B | $2.28B | $820.0M | $49.7M | 4.42% | 3.21% | 0.12% |
| Q4 2024 | $4.44B | $3.56B | $2.29B | $761.5M | $79.7M | 1.80% | 3.13% | 0.09% |
| Q3 2024 | $4.40B | $3.50B | $2.28B | $769.6M | $84.7M | 2.55% | 3.10% | 0.07% |
Loan mix (Q2 2026): real estate $1.89B · commercial $250.3M · consumer $210.7M · securities $2.03B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Stockton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 6.08% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 32.2% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 59.0% | 18th |
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 Stockton | 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 Stockton | 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 Stockton | 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 Stockton | 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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