| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| ROA | 1.14% | 1.28% | -0.1 pts |
| ROE | 11.7% | 12.5% | -0.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $949.3M | $836.4M | $593.7M | $93.7M | $5.4M | 1.14% | 3.69% | 0.00% |
| Q1 2026 | $882.7M | $771.0M | $597.2M | $91.5M | $2.8M | 1.20% | 3.73% | 0.00% |
| Q4 2025 | $996.2M | $885.8M | $599.3M | $91.9M | $11.3M | 1.19% | 3.62% | 0.00% |
| Q3 2025 | $934.0M | $825.6M | $576.5M | $89.2M | $8.4M | 1.19% | 3.63% | 0.00% |
| Q2 2025 | $952.1M | $848.9M | $566.7M | $86.4M | $5.4M | 1.14% | 3.57% | 0.00% |
| Q1 2025 | $928.8M | $824.6M | $541.5M | $88.1M | $2.6M | 1.12% | 3.60% | 0.00% |
| Q4 2024 | $950.5M | $848.1M | $555.0M | $85.7M | $10.3M | 1.20% | 3.77% | 0.00% |
| Q3 2024 | $809.2M | $707.1M | $578.4M | $83.4M | $7.7M | 1.23% | 3.89% | 0.00% |
Loan mix (Q2 2026): real estate $586.7M · commercial $15.0M · consumer $1K · securities $34.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.28% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.5% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 61.1% | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
4 branches in 3 counties across 2 states (+0 vs 2025) · $836.4M branch deposits. Biggest market: San Diego, CA, ranked 27th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Diego, CA | 2 | $708.4M | 0.42% | 27th |
| Davidson, TN | 1 | $73.8M | 0.11% | 33rd |
| Riverside, CA | 1 | $54.1M | 0.10% | 35th |
California: 163rd with 0.04% · Tennessee: 202nd with 0.03% · San Diego-Chula Vista-Carlsbad metro: 27th, 0.42% · Nashville-Davidson--Murfreesboro--Franklin metro: 67th, 0.06% ·
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (10 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).