| Metric | Central National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +5.5% | +9.1 pts |
| Deposit growth (YoY) | +15.2% | +5.1% | +10.1 pts |
| Loan growth (YoY) | +10.3% | +5.9% | +4.4 pts |
| ROA | 2.01% | 1.26% | +0.8 pts |
| ROE | 22.6% | 12.2% | +10.4 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 | $1.47B | $1.31B | $1.19B | $133.7M | $14.8M | 2.01% | 3.83% | 0.09% |
| Q1 2026 | $1.45B | $1.29B | $1.15B | $131.2M | $7.4M | 2.00% | 3.78% | 0.06% |
| Q4 2025 | $1.50B | $1.34B | $1.13B | $129.4M | $28.1M | 2.09% | 3.87% | 0.00% |
| Q3 2025 | $1.39B | $1.23B | $1.12B | $125.6M | $20.2M | 2.05% | 3.89% | 0.02% |
| Q2 2025 | $1.29B | $1.14B | $1.08B | $120.1M | $13.0M | 2.02% | 3.87% | 0.02% |
| Q1 2025 | $1.28B | $1.13B | $1.03B | $117.6M | $6.4M | 2.01% | 3.76% | 0.05% |
| Q4 2024 | $1.29B | $1.15B | $1.02B | $112.8M | $22.8M | 1.84% | 3.55% | 0.04% |
| Q3 2024 | $1.31B | $1.17B | $993.5M | $114.2M | $16.4M | 1.78% | 3.48% | 0.01% |
Loan mix (Q2 2026): real estate $1.03B · commercial $157.3M · consumer $8.3M · securities $134.3M
| Ratio | Central National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 12.2% | 94th | |
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 | 45.3% | 59.0% | 13th |
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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