| Metric | BOC Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.7 pts |
| ROA | 1.99% | 1.24% | +0.8 pts |
| ROE | 16.6% | 11.9% | +4.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.4M | $176.7M | $149.5M | $25.8M | $2.1M | 1.99% | 4.35% | 0.00% |
| Q1 2026 | $214.7M | $188.9M | $146.5M | $24.9M | $1.2M | 2.17% | 4.19% | 0.00% |
| Q4 2025 | $211.6M | $185.7M | $154.6M | $25.0M | $2.9M | 1.40% | 4.26% | 0.00% |
| Q3 2025 | $217.4M | $190.6M | $147.6M | $25.1M | $3.1M | 1.97% | 4.24% | 0.00% |
| Q2 2025 | $195.5M | $170.7M | $145.4M | $23.9M | $2.0M | 1.96% | 4.25% | 0.00% |
| Q1 2025 | $211.7M | $188.2M | $145.7M | $22.8M | $897K | 1.70% | 4.08% | 0.00% |
| Q4 2024 | $210.8M | $187.1M | $155.8M | $21.7M | $2.7M | 1.23% | 3.63% | 0.00% |
| Q3 2024 | $223.0M | $200.1M | $137.8M | $22.0M | $1.6M | 0.95% | 3.25% | 0.00% |
Loan mix (Q2 2026): real estate $102.3M · commercial $49.1M · consumer $159K · securities $33.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BOC Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 62.9% | 29th |
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 | BOC 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 | BOC 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 | BOC 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 | BOC Bank | 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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