| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +14.0% | +5.6% | +8.5 pts |
| ROA | 1.90% | 1.24% | +0.7 pts |
| ROE | 4.6% | 11.9% | -7.3 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.6M | $59.2M | $79.3M | $42.0M | $953K | 1.90% | 5.44% | 16.25% |
| Q1 2026 | $100.9M | $57.9M | $76.3M | $41.5M | $440K | 1.77% | 5.37% | 16.41% |
| Q4 2025 | $97.6M | $55.3M | $72.5M | $41.0M | $1.8M | 1.93% | 6.22% | 16.78% |
| Q3 2025 | $98.2M | $55.8M | $69.0M | $41.2M | $2.0M | 2.88% | 6.94% | 16.14% |
| Q2 2025 | $97.9M | $56.2M | $69.6M | $40.6M | $1.3M | 3.03% | 6.86% | 6.60% |
| Q1 2025 | $83.1M | $41.7M | $64.3M | $39.9M | $674K | 3.26% | 7.38% | 7.76% |
| Q4 2024 | $82.4M | $42.3M | $59.7M | $39.2M | $3.3M | 3.78% | 8.03% | 7.17% |
| Q3 2024 | $85.1M | $45.7M | $60.1M | $38.5M | $2.5M | 3.79% | 7.81% | 10.08% |
Loan mix (Q2 2026): real estate $81.4M · commercial $4.1M · consumer $0 · securities $0
| Ratio | California Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 62.9% | 15th |
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 Pacific 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 Pacific 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 Pacific 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 Pacific 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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