| Metric | City National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.0% | -2.9 pts |
| Deposit growth (YoY) | -1.4% | +2.5% | -3.9 pts |
| Loan growth (YoY) | +2.6% | +2.6% | -0.0 pts |
| ROA | 0.36% | 0.99% | -0.6 pts |
| ROE | 2.8% | 8.1% | -5.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $62.0M | $52.5M | $42.3M | $8.1M | $116K | 0.36% | 3.94% | 1.83% |
| Q1 2026 | $63.3M | $53.2M | $40.4M | $8.1M | $87K | 0.54% | 3.82% | 0.18% |
| Q4 2025 | $65.8M | $55.8M | $41.3M | $8.6M | $1.4M | 2.28% | 3.75% | 0.03% |
| Q3 2025 | $62.9M | $54.0M | $41.4M | $7.4M | $276K | 0.59% | 3.64% | 0.06% |
| Q2 2025 | $61.9M | $53.2M | $41.2M | $7.2M | $153K | 0.49% | 3.52% | 0.00% |
| Q1 2025 | $63.2M | $54.6M | $44.2M | $7.0M | $67K | 0.42% | 3.39% | 0.00% |
| Q4 2024 | $63.0M | $54.4M | $44.0M | $6.8M | $123K | 0.18% | 3.15% | 0.00% |
| Q3 2024 | $68.4M | $55.7M | $44.3M | $6.9M | $39K | 0.08% | 3.05% | 0.00% |
Loan mix (Q2 2026): real estate $33.2M · commercial $6.1M · consumer $1.2M · securities $8.8M
| Ratio | City National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.99% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 8.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 70.8% | 83th |
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 | City 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 | City 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 | City 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 | City National 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.