| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.0% | +4.4% | +8.6 pts |
| Deposit growth (YoY) | +15.0% | +4.0% | +11.1 pts |
| Loan growth (YoY) | +4.3% | +5.6% | -1.2 pts |
| ROA | 0.72% | 1.24% | -0.5 pts |
| ROE | 5.1% | 11.9% | -6.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $130.5M | $108.4M | $92.9M | $17.5M | $447K | 0.72% | 4.22% | 0.39% |
| Q1 2026 | $122.2M | $100.4M | $94.2M | $17.4M | $223K | 0.73% | 4.11% | 0.38% |
| Q4 2025 | $122.0M | $100.4M | $89.3M | $17.3M | $868K | 0.75% | 4.25% | 1.75% |
| Q3 2025 | $128.3M | $107.0M | $84.7M | $16.9M | $398K | 0.46% | 3.87% | 1.16% |
| Q2 2025 | $115.5M | $94.3M | $89.0M | $16.8M | $279K | 0.50% | 4.06% | 1.46% |
| Q1 2025 | $109.9M | $89.0M | $85.1M | $16.7M | $188K | 0.69% | 4.12% | 1.73% |
| Q4 2024 | $106.6M | $85.9M | $87.5M | $16.5M | $505K | 0.49% | 4.37% | 1.99% |
| Q3 2024 | $106.9M | $89.5M | $77.9M | $16.4M | $376K | 0.49% | 4.41% | 2.19% |
Loan mix (Q2 2026): real estate $64.7M · commercial $29.2M · consumer $424K · securities $9.6M
| Ratio | California Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.24% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 62.9% | 91st |
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 | California Business 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 | California Business Bank | 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 | California Business 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 | California Business 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 | California Business 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $94.3M branch deposits. Biggest market: Orange, CA, ranked 73rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $94.3M | 0.05% | 73rd |
California: 307th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 159th, 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1