| Metric | Carson Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.7 pts |
| Loan growth (YoY) | -4.7% | +5.6% | -10.3 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 17.1% | 11.9% | +5.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166.7M | $145.4M | $98.3M | $14.7M | $1.2M | 1.43% | 5.84% | 0.86% |
| Q1 2026 | $166.8M | $144.4M | $100.5M | $13.4M | $597K | 1.44% | 6.32% | 0.35% |
| Q4 2025 | $164.9M | $140.5M | $103.6M | $13.5M | $3.0M | 1.81% | 5.60% | 0.56% |
| Q3 2025 | $162.5M | $141.8M | $101.8M | $12.4M | $1.9M | 1.58% | 5.14% | 1.57% |
| Q2 2025 | $164.4M | $146.4M | $103.1M | $10.4M | $1.2M | 1.46% | 5.22% | 0.42% |
| Q1 2025 | $165.9M | $147.9M | $100.2M | $10.3M | $332K | 0.81% | 5.40% | 0.76% |
| Q4 2024 | $162.0M | $137.4M | $102.3M | $10.2M | $-241K | -0.14% | 5.13% | 0.10% |
| Q3 2024 | $169.2M | $134.2M | $103.7M | $12.5M | $1.1M | 0.86% | 5.25% | 0.18% |
Loan mix (Q2 2026): real estate $45.6M · commercial $25.0M · consumer $7.0M · securities $57.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Carson Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 62.9% | 69th |
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 | Carson Community 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 | Carson Community 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 | Carson Community 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 | Carson Community 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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