| Metric | Climate First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +64.6% | +5.5% | +59.1 pts |
| Deposit growth (YoY) | +53.8% | +5.1% | +48.8 pts |
| Loan growth (YoY) | +64.2% | +5.9% | +58.2 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 13.4% | 12.2% | +1.3 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.94B | $1.55B | $1.66B | $178.3M | $10.8M | 1.22% | 3.87% | 0.11% |
| Q1 2026 | $1.75B | $1.52B | $1.52B | $162.7M | $5.4M | 1.27% | 3.83% | 0.02% |
| Q4 2025 | $1.62B | $1.36B | $1.39B | $143.2M | $11.5M | 0.94% | 3.65% | 0.00% |
| Q3 2025 | $1.39B | $1.20B | $1.17B | $120.7M | $7.2M | 0.86% | 3.59% | 0.00% |
| Q2 2025 | $1.18B | $1.01B | $1.01B | $106.7M | $3.3M | 0.63% | 3.48% | 0.00% |
| Q1 2025 | $1.03B | $870.9M | $864.6M | $94.6M | $1.1M | 0.47% | 3.22% | 0.00% |
| Q4 2024 | $889.4M | $785.8M | $761.7M | $79.4M | $3.4M | 0.47% | 3.19% | 0.00% |
| Q3 2024 | $858.1M | $781.9M | $695.1M | $72.5M | $1.5M | 0.29% | 3.09% | 0.00% |
Loan mix (Q2 2026): real estate $890.5M · commercial $450.6M · consumer $331.9M · securities $3.4M
| Ratio | Climate First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 59.0% | 26th |
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 | Climate First 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 | Climate First 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 | Climate First 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 | Climate First 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.