| Metric | Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.9% | -1.3 pts |
| Deposit growth (YoY) | +2.6% | +4.3% | -1.7 pts |
| Loan growth (YoY) | +6.0% | +5.3% | +0.7 pts |
| ROA | 1.71% | 1.28% | +0.4 pts |
| ROE | 16.5% | 12.4% | +4.1 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $689.7M | $608.7M | $584.9M | $72.2M | $5.8M | 1.71% | 5.09% | 0.01% |
| Q1 2026 | $694.3M | $614.4M | $578.4M | $71.2M | $2.7M | 1.60% | 4.92% | 0.28% |
| Q4 2025 | $673.4M | $589.6M | $570.7M | $69.0M | $9.4M | 1.42% | 4.67% | 0.01% |
| Q3 2025 | $674.1M | $580.0M | $558.4M | $67.7M | $6.7M | 1.36% | 4.61% | 0.03% |
| Q2 2025 | $665.9M | $593.3M | $551.6M | $63.9M | $4.1M | 1.27% | 4.51% | 0.01% |
| Q1 2025 | $642.8M | $571.2M | $532.1M | $63.5M | $2.0M | 1.24% | 4.41% | 0.02% |
| Q4 2024 | $636.8M | $568.2M | $530.5M | $60.5M | $7.2M | 1.17% | 4.07% | 0.02% |
| Q3 2024 | $618.2M | $545.7M | $517.1M | $61.3M | $4.9M | 1.09% | 3.95% | 0.02% |
Loan mix (Q2 2026): real estate $552.6M · commercial $27.6M · consumer $11.2M · securities $72.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 12.4% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 61.2% | 35th |
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 | Capital 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 | Capital 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 | Capital 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 | Capital 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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