| Metric | Bank of the Sierra | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +5.5% | -6.7 pts |
| Deposit growth (YoY) | -1.6% | +5.1% | -6.7 pts |
| Loan growth (YoY) | +0.8% | +5.9% | -5.1 pts |
| ROA | 1.33% | 1.26% | +0.1 pts |
| ROE | 11.3% | 12.2% | -0.9 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.72B | $2.94B | $2.43B | $447.1M | $25.0M | 1.33% | 3.69% | 0.28% |
| Q1 2026 | $3.75B | $2.93B | $2.45B | $439.6M | $13.8M | 1.46% | 3.66% | 0.28% |
| Q4 2025 | $3.83B | $2.88B | $2.53B | $442.1M | $47.4M | 1.28% | 3.83% | 0.39% |
| Q3 2025 | $3.71B | $2.94B | $2.47B | $435.2M | $33.3M | 1.21% | 3.84% | 0.43% |
| Q2 2025 | $3.77B | $2.98B | $2.41B | $430.3M | $22.3M | 1.22% | 3.79% | 0.40% |
| Q1 2025 | $3.60B | $2.85B | $2.28B | $432.5M | $10.3M | 1.14% | 3.80% | 0.51% |
| Q4 2024 | $3.61B | $2.90B | $2.31B | $424.4M | $46.2M | 1.27% | 3.75% | 0.55% |
| Q3 2024 | $3.69B | $2.97B | $2.30B | $427.8M | $34.5M | 1.26% | 3.73% | 0.28% |
Loan mix (Q2 2026): real estate $1.82B · commercial $115.3M · consumer $2.5M · securities $894.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of the Sierra | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 59.0% | 37th |
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 the Sierra | 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 the Sierra | 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 the Sierra | 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 the Sierra | 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.