| Metric | Capitol National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.3 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +25.8% | +5.6% | +20.2 pts |
| ROA | 1.79% | 1.24% | +0.6 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $209.3M | $162.1M | $166.5M | $33.4M | $1.9M | 1.79% | 5.13% | 1.22% |
| Q1 2026 | $199.9M | $162.9M | $162.2M | $32.8M | $939K | 1.82% | 5.07% | 0.42% |
| Q4 2025 | $212.5M | $166.2M | $164.7M | $31.8M | $4.0M | 2.04% | 5.47% | 0.23% |
| Q3 2025 | $203.4M | $167.7M | $132.0M | $31.1M | $2.9M | 1.98% | 5.54% | 0.01% |
| Q2 2025 | $189.2M | $154.6M | $132.4M | $30.1M | $1.9M | 1.96% | 5.56% | 0.01% |
| Q1 2025 | $187.2M | $153.5M | $134.3M | $29.3M | $894K | 1.87% | 5.46% | 0.01% |
| Q4 2024 | $194.9M | $161.9M | $156.6M | $28.3M | $4.2M | 2.15% | 5.93% | 0.04% |
| Q3 2024 | $224.5M | $192.0M | $144.0M | $27.8M | $3.1M | 2.14% | 5.85% | 0.04% |
Loan mix (Q2 2026): real estate $134.8M · commercial $12.7M · consumer $261K · securities $2.4M
| Ratio | Capitol National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 62.9% | 32th |
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 National 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 National 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 National 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 National 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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