| Metric | Cattlemens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.9% | +4.7 pts |
| Deposit growth (YoY) | +7.9% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +10.5% | +5.3% | +5.2 pts |
| ROA | 1.30% | 1.28% | +0.0 pts |
| ROE | 13.2% | 12.4% | +0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $595.2M | $468.9M | $520.5M | $60.6M | $3.8M | 1.30% | 4.21% | 0.27% |
| Q1 2026 | $588.0M | $455.6M | $508.4M | $58.9M | $1.7M | 1.17% | 4.16% | 0.44% |
| Q4 2025 | $579.1M | $457.5M | $511.2M | $53.2M | $5.3M | 0.97% | 4.02% | 0.54% |
| Q3 2025 | $556.3M | $436.9M | $480.4M | $51.8M | $3.9M | 0.95% | 3.99% | 2.14% |
| Q2 2025 | $543.3M | $434.8M | $471.0M | $50.7M | $2.2M | 0.83% | 3.93% | 1.45% |
| Q1 2025 | $541.6M | $424.8M | $474.4M | $49.8M | $885K | 0.66% | 3.83% | 0.87% |
| Q4 2024 | $524.2M | $411.6M | $464.3M | $49.8M | $6.0M | 1.16% | 3.67% | 1.46% |
| Q3 2024 | $523.7M | $411.5M | $461.8M | $49.0M | $4.3M | 1.11% | 3.62% | 1.48% |
Loan mix (Q2 2026): real estate $390.9M · commercial $18.5M · consumer $1.1M · securities $2.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cattlemens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.28% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 61.2% | 46th |
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 | Cattlemens 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 | Cattlemens 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 | Cattlemens 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 | Cattlemens 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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