| Metric | CBBC Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.9% | +4.5 pts |
| Deposit growth (YoY) | +8.2% | +4.3% | +3.9 pts |
| Loan growth (YoY) | +19.3% | +5.3% | +14.0 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 10.2% | 12.4% | -2.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $562.1M | $478.8M | $316.4M | $65.1M | $3.2M | 1.16% | 3.72% | 0.01% |
| Q1 2026 | $556.4M | $473.0M | $308.5M | $62.1M | $1.4M | 1.03% | 3.63% | 0.01% |
| Q4 2025 | $545.1M | $468.2M | $291.0M | $61.6M | $6.3M | 1.21% | 3.64% | 0.02% |
| Q3 2025 | $532.9M | $454.6M | $275.7M | $59.9M | $4.4M | 1.15% | 3.65% | 0.02% |
| Q2 2025 | $514.0M | $442.5M | $265.2M | $55.4M | $2.9M | 1.14% | 3.64% | 0.04% |
| Q1 2025 | $510.8M | $439.9M | $273.4M | $54.2M | $1.2M | 0.99% | 3.52% | 0.02% |
| Q4 2024 | $488.9M | $423.9M | $263.7M | $51.3M | $6.0M | 1.23% | 3.57% | 0.04% |
| Q3 2024 | $509.4M | $439.7M | $262.4M | $56.7M | $4.2M | 1.15% | 3.57% | 0.04% |
Loan mix (Q2 2026): real estate $297.5M · commercial $22.5M · consumer $1.9M · securities $141.2M
| Ratio | CBBC Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 61.2% | 42th |
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 | CBBC 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 | CBBC 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 | CBBC 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 | CBBC 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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