| Metric | Centera Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +4.4% | -5.9 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 21.1% | 11.9% | +9.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.1M | $290.5M | $148.9M | $25.3M | $2.6M | 1.63% | 3.58% | 0.00% |
| Q1 2026 | $328.3M | $301.8M | $148.3M | $24.3M | $1.2M | 1.53% | 3.42% | 0.02% |
| Q4 2025 | $320.6M | $293.5M | $154.4M | $25.0M | $3.2M | 1.00% | 3.27% | 0.09% |
| Q3 2025 | $314.3M | $287.8M | $153.6M | $24.3M | $2.7M | 1.11% | 3.24% | 0.01% |
| Q2 2025 | $322.9M | $298.4M | $150.2M | $22.4M | $1.8M | 1.12% | 3.18% | 0.00% |
| Q1 2025 | $332.1M | $309.9M | $146.7M | $20.1M | $686K | 0.85% | 3.03% | 0.00% |
| Q4 2024 | $312.8M | $292.9M | $149.3M | $18.0M | $2.4M | 0.76% | 2.88% | 0.01% |
| Q3 2024 | $319.2M | $291.5M | $150.7M | $20.6M | $2.1M | 0.86% | 2.85% | 0.02% |
Loan mix (Q2 2026): real estate $83.7M · commercial $18.1M · consumer $4.0M · securities $142.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Centera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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 | Centera 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 | Centera 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 | Centera 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 | Centera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.