| Metric | CalPrivate Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +5.5% | +4.9 pts |
| Deposit growth (YoY) | +10.1% | +5.1% | +5.0 pts |
| Loan growth (YoY) | +2.0% | +5.9% | -4.0 pts |
| ROA | 2.02% | 1.26% | +0.8 pts |
| ROE | 18.5% | 12.2% | +6.4 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.71B | $2.38B | $2.10B | $299.4M | $26.7M | 2.02% | 5.22% | 1.50% |
| Q1 2026 | $2.69B | $2.38B | $2.11B | $288.5M | $12.5M | 1.91% | 5.20% | 1.60% |
| Q4 2025 | $2.53B | $2.23B | $2.10B | $277.3M | $42.5M | 1.70% | 4.95% | 2.00% |
| Q3 2025 | $2.58B | $2.28B | $2.05B | $271.3M | $32.0M | 1.72% | 4.90% | 1.79% |
| Q2 2025 | $2.45B | $2.17B | $2.06B | $260.8M | $21.9M | 1.78% | 4.93% | 0.66% |
| Q1 2025 | $2.48B | $2.20B | $2.05B | $249.4M | $11.0M | 1.79% | 4.73% | 0.63% |
| Q4 2024 | $2.42B | $2.14B | $2.06B | $237.9M | $37.3M | 1.63% | 4.59% | 0.47% |
| Q3 2024 | $2.39B | $2.11B | $1.99B | $228.8M | $26.3M | 1.56% | 4.52% | 0.48% |
Loan mix (Q2 2026): real estate $1.64B · commercial $456.4M · consumer $2.0M · securities $237.1M
| Ratio | CalPrivate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.4% | 59.0% | 11th |
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 | CalPrivate 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 | CalPrivate 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 | CalPrivate 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 | CalPrivate 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.