| Metric | Cedar Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.0% | -0.0 pts |
| Deposit growth (YoY) | +2.2% | +2.5% | -0.3 pts |
| Loan growth (YoY) | +17.1% | +2.6% | +14.5 pts |
| ROA | 2.01% | 0.99% | +1.0 pts |
| ROE | 11.2% | 8.1% | +3.2 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $62.1M | $49.0M | $36.4M | $11.3M | $620K | 2.01% | 4.99% | 0.58% |
| Q1 2026 | $62.2M | $49.1M | $32.9M | $11.1M | $300K | 1.96% | 4.83% | 0.97% |
| Q4 2025 | $60.4M | $47.7M | $33.3M | $10.8M | $860K | 1.46% | 4.68% | 0.56% |
| Q3 2025 | $59.7M | $47.0M | $32.7M | $10.6M | $683K | 1.55% | 4.60% | 0.84% |
| Q2 2025 | $60.3M | $47.9M | $31.1M | $10.3M | $403K | 1.38% | 4.41% | 0.72% |
| Q1 2025 | $60.0M | $47.6M | $29.4M | $10.1M | $234K | 1.63% | 4.40% | 0.96% |
| Q4 2024 | $54.9M | $43.0M | $26.8M | $9.8M | $432K | 0.78% | 3.83% | 0.59% |
| Q3 2024 | $55.7M | $43.6M | $27.0M | $9.7M | $275K | 0.66% | 3.69% | 0.45% |
Loan mix (Q2 2026): real estate $16.1M · commercial $5.9M · consumer $1.5M · securities $10.7M
| Ratio | Cedar Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.99% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 8.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 70.8% | 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 | Cedar Security 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 | Cedar Security 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 | Cedar Security 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 | Cedar Security 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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