| Metric | BayCoast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +5.5% | -9.1 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.6 pts |
| Loan growth (YoY) | -4.5% | +5.9% | -10.4 pts |
| ROA | 0.51% | 1.26% | -0.8 pts |
| ROE | 5.7% | 12.2% | -6.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.86B | $2.46B | $2.23B | $257.8M | $7.3M | 0.51% | 3.41% | 1.15% |
| Q1 2026 | $2.89B | $2.48B | $2.25B | $258.2M | $2.6M | 0.36% | 3.30% | 1.21% |
| Q4 2025 | $2.85B | $2.43B | $2.25B | $258.9M | $13.4M | 0.46% | 3.11% | 0.96% |
| Q3 2025 | $2.86B | $2.46B | $2.26B | $254.3M | $8.7M | 0.40% | 3.02% | 0.23% |
| Q2 2025 | $2.97B | $2.45B | $2.34B | $254.7M | $5.5M | 0.37% | 2.92% | 0.22% |
| Q1 2025 | $2.96B | $2.42B | $2.30B | $254.0M | $1.5M | 0.20% | 2.85% | 0.20% |
| Q4 2024 | $2.92B | $2.34B | $2.33B | $252.3M | $11.2M | 0.38% | 2.68% | 0.19% |
| Q3 2024 | $2.98B | $2.40B | $2.38B | $248.4M | $9.0M | 0.41% | 2.61% | 0.13% |
Loan mix (Q2 2026): real estate $1.92B · commercial $189.5M · consumer $111.1M · securities $362.2M
| Ratio | BayCoast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 59.0% | 97th |
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 | BayCoast Bank | 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 | BayCoast Bank | 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 | BayCoast Bank | 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 | BayCoast Bank | 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.