| Metric | Cass Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | +1.6% | +5.1% | -3.4 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 2.23% | 1.26% | +1.0 pts |
| ROE | 15.3% | 12.2% | +3.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.33B | $1.12B | $1.04B | $194.1M | $15.2M | 2.23% | 4.13% | 0.12% |
| Q1 2026 | $1.33B | $1.11B | $1.03B | $201.4M | $7.6M | 2.20% | 4.01% | 0.24% |
| Q4 2025 | $1.44B | $1.22B | $1.00B | $201.4M | $29.5M | 2.15% | 4.01% | 0.49% |
| Q3 2025 | $1.32B | $1.11B | $1.02B | $203.7M | $22.1M | 2.18% | 4.05% | 0.53% |
| Q2 2025 | $1.31B | $1.10B | $1.03B | $201.0M | $14.7M | 2.15% | 3.99% | 0.26% |
| Q1 2025 | $1.34B | $1.14B | $1.06B | $192.8M | $7.0M | 2.01% | 3.99% | 0.00% |
| Q4 2024 | $1.43B | $1.23B | $1.01B | $190.2M | $22.3M | 1.62% | 3.49% | 0.00% |
| Q3 2024 | $1.32B | $1.12B | $1.00B | $190.7M | $18.8M | 1.83% | 3.44% | 0.00% |
Loan mix (Q2 2026): real estate $508.0M · commercial $439.0M · consumer $0 · securities $56.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cass Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.2% | 59.0% | 5th |
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 | Cass Commercial 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 | Cass Commercial 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 | Cass Commercial 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 | Cass Commercial Bank | 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.