| Metric | Capitol Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +4.9% | -11.0 pts |
| Deposit growth (YoY) | -7.7% | +4.3% | -12.0 pts |
| Loan growth (YoY) | -10.5% | +5.3% | -15.8 pts |
| ROA | 1.12% | 1.28% | -0.2 pts |
| ROE | 9.7% | 12.4% | -2.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $565.3M | $473.0M | $424.8M | $69.4M | $3.3M | 1.12% | 3.22% | 0.01% |
| Q1 2026 | $589.4M | $497.7M | $447.3M | $68.7M | $1.7M | 1.11% | 3.18% | 0.01% |
| Q4 2025 | $633.7M | $542.8M | $472.0M | $67.5M | $5.3M | 0.85% | 2.92% | 0.01% |
| Q3 2025 | $615.2M | $523.1M | $471.0M | $66.6M | $3.7M | 0.79% | 2.86% | 0.08% |
| Q2 2025 | $601.8M | $512.3M | $474.5M | $64.4M | $2.2M | 0.70% | 2.74% | 0.13% |
| Q1 2025 | $640.1M | $552.3M | $487.0M | $63.0M | $853K | 0.54% | 2.57% | 0.12% |
| Q4 2024 | $629.1M | $539.6M | $489.6M | $61.2M | $3.8M | 0.64% | 2.54% | 0.12% |
| Q3 2024 | $610.0M | $519.4M | $504.3M | $61.7M | $2.6M | 0.58% | 2.48% | 0.22% |
Loan mix (Q2 2026): real estate $364.6M · commercial $56.0M · consumer $4.5M · securities $90.9M
| Ratio | Capitol Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 61.2% | 44th |
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 | Capitol 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 | Capitol 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 | Capitol 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 | Capitol 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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