| Metric | Castroville State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.7 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.7M | $241.3M | $184.3M | $27.9M | $2.0M | 1.41% | 3.56% | 0.19% |
| Q1 2026 | $291.0M | $263.3M | $179.5M | $27.0M | $940K | 1.26% | 3.41% | 0.17% |
| Q4 2025 | $306.4M | $279.6M | $180.0M | $26.4M | $3.0M | 1.10% | 3.28% | 0.23% |
| Q3 2025 | $270.4M | $237.6M | $179.1M | $26.1M | $2.3M | 1.13% | 3.34% | 0.17% |
| Q2 2025 | $257.4M | $226.2M | $179.1M | $24.6M | $1.5M | 1.13% | 3.37% | 0.15% |
| Q1 2025 | $276.0M | $251.4M | $174.6M | $24.0M | $766K | 1.13% | 3.37% | 0.14% |
| Q4 2024 | $265.6M | $242.7M | $170.8M | $22.4M | $2.0M | 0.75% | 2.88% | 0.15% |
| Q3 2024 | $262.7M | $238.6M | $171.4M | $23.4M | $1.4M | 0.71% | 2.84% | 0.18% |
Loan mix (Q2 2026): real estate $160.5M · commercial $14.6M · consumer $4.7M · securities $62.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Castroville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 18th |
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 | Castroville State 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 | Castroville State 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 | Castroville State 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 | Castroville State 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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