| Metric | Cendera Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.4% | +4.4% | +9.0 pts |
| Deposit growth (YoY) | +14.5% | +4.0% | +10.6 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 0.37% | 1.24% | -0.9 pts |
| ROE | 3.3% | 11.9% | -8.6 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $257.6M | $228.5M | $199.1M | $27.4M | $445K | 0.37% | 4.30% | 0.29% |
| Q1 2026 | $228.9M | $200.6M | $179.9M | $27.0M | $135K | 0.24% | 4.28% | 0.26% |
| Q4 2025 | $227.9M | $199.4M | $174.6M | $27.0M | $674K | 0.29% | 4.18% | 0.35% |
| Q3 2025 | $246.1M | $218.0M | $190.5M | $26.7M | $473K | 0.27% | 4.16% | 0.21% |
| Q2 2025 | $227.3M | $199.5M | $185.2M | $26.3M | $197K | 0.17% | 4.16% | 0.63% |
| Q1 2025 | $227.0M | $199.9M | $185.0M | $26.1M | $14K | 0.02% | 3.99% | 0.43% |
| Q4 2024 | $225.7M | $198.8M | $169.0M | $25.9M | $315K | 0.16% | 3.87% | 0.64% |
| Q3 2024 | $215.6M | $188.7M | $164.3M | $25.7M | $130K | 0.09% | 3.88% | 0.20% |
Loan mix (Q2 2026): real estate $159.2M · commercial $41.5M · consumer $443K · securities $11.2M
| Ratio | Cendera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 62.9% | 92th |
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 | Cendera 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 | Cendera 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 | Cendera 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 | Cendera 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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