| Metric | Ciera Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Deposit growth (YoY) | +4.8% | +4.3% | +0.4 pts |
| Loan growth (YoY) | +13.1% | +5.3% | +7.7 pts |
| ROA | 1.50% | 1.28% | +0.2 pts |
| ROE | 13.4% | 12.4% | +1.0 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $992.9M | $868.8M | $751.3M | $110.9M | $7.3M | 1.50% | 4.49% | 0.94% |
| Q1 2026 | $969.6M | $848.3M | $708.7M | $109.0M | $4.3M | 1.78% | 4.27% | 1.12% |
| Q4 2025 | $975.4M | $854.0M | $700.0M | $108.3M | $15.7M | 1.67% | 4.35% | 1.38% |
| Q3 2025 | $954.2M | $834.2M | $694.2M | $105.2M | $11.9M | 1.70% | 4.30% | 1.79% |
| Q2 2025 | $946.3M | $829.2M | $664.4M | $103.7M | $10.5M | 2.25% | 4.22% | 2.08% |
| Q1 2025 | $924.5M | $811.2M | $638.6M | $100.6M | $4.2M | 1.81% | 4.01% | 1.91% |
| Q4 2024 | $914.6M | $801.9M | $625.1M | $98.7M | $16.7M | 1.81% | 4.04% | 1.78% |
| Q3 2024 | $941.7M | $807.8M | $621.9M | $98.1M | $12.4M | 1.79% | 3.99% | 0.07% |
Loan mix (Q2 2026): real estate $663.7M · commercial $83.1M · consumer $4.8M · securities $55.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ciera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.28% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 61.2% | 41th |
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 | Ciera 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 | Ciera 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 | Ciera 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 | Ciera 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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