| Metric | bankcda | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +5.7% | +5.6% | +0.1 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 6.9% | 11.9% | -5.0 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 | $238.9M | $210.3M | $142.7M | $26.2M | $1.0M | 0.84% | 4.43% | 1.64% |
| Q1 2026 | $232.8M | $199.7M | $134.3M | $30.9M | $473K | 0.80% | 4.32% | 1.68% |
| Q4 2025 | $242.8M | $209.3M | $132.3M | $30.7M | $1.9M | 0.80% | 4.21% | 1.62% |
| Q3 2025 | $237.4M | $204.2M | $127.4M | $30.3M | $1.3M | 0.71% | 4.18% | 0.25% |
| Q2 2025 | $227.4M | $195.7M | $135.0M | $29.1M | $768K | 0.66% | 4.06% | 0.28% |
| Q1 2025 | $231.4M | $194.4M | $134.1M | $28.5M | $326K | 0.55% | 3.86% | 0.00% |
| Q4 2024 | $241.9M | $196.3M | $131.6M | $27.6M | $1.9M | 0.77% | 3.50% | 0.00% |
| Q3 2024 | $240.2M | $203.8M | $123.0M | $28.0M | $1.2M | 0.69% | 3.42% | 0.00% |
Loan mix (Q2 2026): real estate $118.3M · commercial $21.9M · consumer $688K · securities $73.3M
| Ratio | bankcda | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.9% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 62.9% | 83rd |
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 | bankcda | 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 | bankcda | 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 | bankcda | 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 | bankcda | 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 | bankcda | 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.
5 branches in 3 counties across 2 states (+1 vs 2024) · $195.7M branch deposits. Biggest market: Kootenai, ID, ranked 13th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kootenai, ID | 3 | $149.8M | 2.11% | 13th |
| Shoshone, ID | 1 | $45.5M | 17.90% | 3rd |
| Spokane, WA | 1 | $328K | 0.00% | 40th |
Idaho: 43rd with 0.31% · Washington: 160th with 0.00% · Coeur dAlene metro: 13th, 2.11% · Spokane-Spokane Valley metro: 41st, 0.00% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5