| Metric | CBW Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.4% | +3.0% | +19.4 pts |
| Deposit growth (YoY) | +28.6% | +2.5% | +26.1 pts |
| Loan growth (YoY) | +32.1% | +2.6% | +29.5 pts |
| ROA | 1.70% | 0.99% | +0.7 pts |
| ROE | 5.3% | 8.1% | -2.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.5M | $53.7M | $12.1M | $25.2M | $648K | 1.70% | 4.22% | 0.14% |
| Q1 2026 | $66.0M | $41.2M | $9.9M | $23.8M | $-737K | -3.96% | 4.01% | 0.13% |
| Q4 2025 | $82.8M | $58.2M | $7.4M | $24.6M | $909K | 1.23% | 4.56% | 0.12% |
| Q3 2025 | $64.7M | $40.2M | $6.7M | $23.9M | $278K | 0.52% | 4.77% | 0.00% |
| Q2 2025 | $65.8M | $41.8M | $9.1M | $23.8M | $117K | 0.32% | 4.55% | 0.13% |
| Q1 2025 | $64.0M | $40.2M | $8.4M | $23.7M | $82K | 0.42% | 4.14% | 0.00% |
| Q4 2024 | $91.8M | $66.8M | $11.4M | $23.6M | $1.2M | 1.36% | 5.37% | 0.00% |
| Q3 2024 | $73.6M | $48.6M | $11.6M | $23.0M | $563K | 0.89% | 5.73% | 0.00% |
Loan mix (Q2 2026): real estate $395K · commercial $3.7M · consumer $8.0M · securities $2.6M
| Ratio | CBW Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.99% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 70.8% | 77th |
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 | CBW 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 | CBW 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 | CBW 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 | CBW 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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