| Metric | Coastal States Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.8 pts |
| Loan growth (YoY) | +11.1% | +5.9% | +5.1 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 10.7% | 12.2% | -1.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.42B | $2.05B | $1.91B | $261.6M | $13.8M | 1.17% | 3.64% | 0.76% |
| Q1 2026 | $2.35B | $2.06B | $1.81B | $258.5M | $6.4M | 1.11% | 3.61% | 0.78% |
| Q4 2025 | $2.30B | $1.99B | $1.77B | $255.4M | $25.8M | 1.17% | 3.62% | 0.79% |
| Q3 2025 | $2.25B | $1.95B | $1.77B | $246.2M | $18.6M | 1.14% | 3.59% | 0.63% |
| Q2 2025 | $2.22B | $1.97B | $1.72B | $220.7M | $11.6M | 1.07% | 3.50% | 0.66% |
| Q1 2025 | $2.19B | $1.94B | $1.64B | $219.7M | $5.4M | 1.00% | 3.42% | 0.70% |
| Q4 2024 | $2.10B | $1.84B | $1.57B | $218.5M | $23.4M | 1.12% | 3.47% | 0.76% |
| Q3 2024 | $2.13B | $1.81B | $1.59B | $216.2M | $17.3M | 1.11% | 3.49% | 0.44% |
Loan mix (Q2 2026): real estate $1.36B · commercial $208.6M · consumer $356.7M · securities $348.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Coastal States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 49th |
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 | Coastal States 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 | Coastal States 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 | Coastal States 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 | Coastal States 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.