| Metric | Central National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +8.4% | +5.1% | +3.3 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.8 pts |
| ROA | 1.33% | 1.26% | +0.1 pts |
| ROE | 13.6% | 12.2% | +1.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.39B | $1.20B | $784.9M | $140.3M | $9.3M | 1.33% | 3.83% | 0.02% |
| Q1 2026 | $1.38B | $1.19B | $767.4M | $136.8M | $4.5M | 1.30% | 3.76% | 0.03% |
| Q4 2025 | $1.41B | $1.24B | $769.1M | $132.2M | $14.8M | 1.13% | 3.70% | 0.04% |
| Q3 2025 | $1.27B | $1.09B | $764.8M | $132.1M | $10.9M | 1.14% | 3.71% | 0.02% |
| Q2 2025 | $1.30B | $1.11B | $761.1M | $129.4M | $6.9M | 1.07% | 3.60% | 0.06% |
| Q1 2025 | $1.27B | $1.12B | $722.6M | $125.5M | $3.5M | 1.09% | 3.49% | 0.06% |
| Q4 2024 | $1.26B | $1.13B | $712.3M | $119.3M | $10.5M | 0.84% | 3.13% | 0.08% |
| Q3 2024 | $1.23B | $1.09B | $696.3M | $131.2M | $7.5M | 0.80% | 3.02% | 0.07% |
Loan mix (Q2 2026): real estate $691.3M · commercial $41.0M · consumer $15.4M · securities $462.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Central National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 59.0% | 65th |
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 | Central National 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 | Central National 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 | Central National 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 | Central National 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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