| Metric | Castle Rock Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 10.5% | 11.9% | -1.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.5M | $249.6M | $128.0M | $40.9M | $2.1M | 1.45% | 2.86% | 0.01% |
| Q1 2026 | $293.1M | $252.6M | $127.8M | $39.9M | $1.1M | 1.48% | 2.81% | 0.08% |
| Q4 2025 | $289.7M | $247.8M | $127.0M | $40.1M | $3.0M | 1.07% | 2.61% | 0.02% |
| Q3 2025 | $284.0M | $243.7M | $124.6M | $39.6M | $2.4M | 1.17% | 2.56% | 0.00% |
| Q2 2025 | $274.8M | $235.6M | $122.3M | $38.5M | $1.5M | 1.06% | 2.49% | 0.04% |
| Q1 2025 | $274.6M | $236.4M | $119.2M | $37.6M | $702K | 1.03% | 2.36% | 0.04% |
| Q4 2024 | $271.9M | $234.0M | $119.8M | $37.3M | $2.4M | 0.87% | 2.24% | 0.01% |
| Q3 2024 | $271.7M | $233.9M | $117.7M | $37.2M | $1.9M | 0.92% | 2.22% | 0.20% |
Loan mix (Q2 2026): real estate $73.0M · commercial $33.3M · consumer $12.3M · securities $151.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Castle Rock Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.1% | 62.9% | 9th |
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 | Castle Rock 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 | Castle Rock 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 | Castle Rock 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 | Castle Rock 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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