| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +38.3% | +4.4% | +34.0 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 81.14% | 1.24% | +79.9 pts |
| ROE | 114.5% | 11.9% | +102.6 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.1M | $500K | $0 | $208.5M | $92.5M | 81.14% | 3.53% | 0.00% |
| Q1 2026 | $226.4M | $500K | $0 | $159.0M | $42.5M | 81.43% | 3.44% | 0.00% |
| Q4 2025 | $191.4M | $500K | $0 | $117.0M | $130.3M | 70.45% | 3.46% | 0.00% |
| Q3 2025 | $223.6M | $500K | $0 | $172.9M | $89.5M | 65.03% | 3.23% | 0.00% |
| Q2 2025 | $192.3M | $500K | $0 | $139.5M | $56.4M | 66.31% | 3.30% | 0.00% |
| Q1 2025 | $169.6M | $500K | $0 | $110.4M | $27.6M | 69.52% | 3.55% | 0.00% |
| Q4 2024 | $148.2M | $500K | $0 | $81.8M | $87.3M | 52.31% | 3.19% | 0.00% |
| Q3 2024 | $194.6M | $500K | $0 | $154.2M | $62.0M | 48.15% | 3.00% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $131.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 81.14% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 114.5% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 62.9% | 39th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025) · $500K branch deposits. Biggest market: Orange, CA, ranked 104th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $500K | 0.00% | 104th |
| Washoe, NV | 1 | $0 | 0.00% | 24th |
California: 434th with 0.00% · Nevada: 68th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 218th, 0.00% · Reno metro: 26th, 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2