| Metric | Bank of the Valley | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.3 pts |
| ROA | 0.87% | 1.28% | -0.4 pts |
| ROE | 9.4% | 12.4% | -3.0 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $581.9M | $490.8M | $450.6M | $53.0M | $2.4M | 0.87% | 3.91% | 0.04% |
| Q1 2026 | $557.4M | $475.1M | $439.7M | $51.3M | $1.1M | 0.78% | 3.83% | 0.04% |
| Q4 2025 | $542.9M | $456.4M | $429.6M | $50.5M | $3.8M | 0.71% | 3.71% | 0.04% |
| Q3 2025 | $544.2M | $463.3M | $427.9M | $49.7M | $2.7M | 0.66% | 3.65% | 0.10% |
| Q2 2025 | $546.4M | $464.6M | $429.1M | $47.9M | $1.6M | 0.61% | 3.59% | 0.18% |
| Q1 2025 | $537.8M | $462.9M | $422.7M | $48.2M | $981K | 0.74% | 3.51% | 0.07% |
| Q4 2024 | $526.0M | $461.2M | $436.2M | $47.4M | $4.2M | 0.81% | 3.53% | 0.06% |
| Q3 2024 | $529.3M | $463.2M | $440.9M | $47.3M | $3.0M | 0.78% | 3.53% | 1.33% |
Loan mix (Q2 2026): real estate $291.1M · commercial $35.9M · consumer $4.9M · securities $69.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of the Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 61.2% | 73th |
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 Valley | 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 Valley | 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 Valley | 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 Valley | 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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