| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +4.9% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +16.4% | +5.3% | +11.1 pts |
| ROA | 1.54% | 1.28% | +0.3 pts |
| ROE | 13.6% | 12.4% | +1.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $516.7M | $397.2M | $234.1M | $57.1M | $3.8M | 1.54% | 3.95% | 0.23% |
| Q1 2026 | $465.8M | $388.1M | $226.9M | $55.4M | $1.8M | 1.52% | 4.10% | 0.26% |
| Q4 2025 | $492.9M | $376.5M | $214.2M | $54.2M | $6.4M | 1.34% | 3.61% | 0.14% |
| Q3 2025 | $487.5M | $392.4M | $204.7M | $52.7M | $4.9M | 1.37% | 3.57% | 0.17% |
| Q2 2025 | $481.6M | $378.8M | $201.1M | $51.0M | $3.2M | 1.35% | 3.50% | 0.17% |
| Q1 2025 | $471.0M | $374.3M | $203.1M | $49.7M | $1.5M | 1.29% | 3.45% | 0.24% |
| Q4 2024 | $466.4M | $355.8M | $200.1M | $48.6M | $5.8M | 1.25% | 3.34% | 0.26% |
| Q3 2024 | $463.9M | $373.2M | $189.4M | $47.3M | $4.2M | 1.23% | 3.25% | 0.10% |
Loan mix (Q2 2026): real estate $231.5M · commercial $4.3M · consumer $668K · securities $193.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.2% | 61.2% | 17th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
5 branches in 2 counties across 1 state (+0 vs 2024) · $378.8M branch deposits. Biggest market: San Bernardino, CA, ranked 15th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Bernardino, CA | 4 | $357.8M | 0.75% | 15th |
| Riverside, CA | 1 | $21.0M | 0.04% | 36th |
California: 210th with 0.02% · Riverside-San Bernardino-Ontario metro: 29th, 0.38% ·
Branch count: 2022 4 · 2023 4 · 2024 5 · 2025 5