| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +112.1% | +5.5% | +106.6 pts |
| Deposit growth (YoY) | +114.7% | +5.1% | +109.6 pts |
| Loan growth (YoY) | +71.2% | +6.0% | +65.2 pts |
| ROA | 8.13% | 1.26% | +6.9 pts |
| ROE | 73.3% | 12.2% | +61.2 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.77B | $1.53B | $356.6M | $174.8M | $54.3M | 8.13% | 8.63% | 0.01% |
| Q1 2026 | $1.39B | $1.18B | $320.8M | $145.3M | $23.2M | 8.28% | 9.63% | 0.07% |
| Q4 2025 | $849.9M | $688.1M | $210.2M | $124.3M | $67.9M | 7.76% | 10.59% | 0.11% |
| Q3 2025 | $1.17B | $1.03B | $223.6M | $108.8M | $51.5M | 7.80% | 10.86% | 0.10% |
| Q2 2025 | $834.0M | $712.4M | $208.4M | $85.7M | $33.7M | 8.58% | 12.53% | 0.11% |
| Q1 2025 | $785.5M | $689.3M | $219.5M | $62.1M | $10.4M | 5.47% | 6.38% | 0.12% |
| Q4 2024 | $734.9M | $653.8M | $212.9M | $48.5M | $13.2M | 2.29% | 3.94% | 0.13% |
| Q3 2024 | $658.6M | $590.2M | $207.4M | $47.4M | $7.1M | 1.78% | 4.16% | 0.14% |
Loan mix (Q2 2026): real estate $162.7M · commercial $32.9M · consumer $162.4M · securities $604.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.13% | 1.26% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 73.3% | 12.2% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.9% | 59.0% | 7th |
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.
Column National Association is in an open deal as the target: Column Holdings Inc. to acquire Column National Association (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 4, 2026 | Target | Column Holdings Inc. | Other | Approved | Federal Reserve |
| Sep 4, 2026 | Target | Column Holdings, Inc. | Merger | Approved | Federal Reserve |
| Jun 12, 2026 | Acquirer | Column National Association | Reorganization | Completed | OCC |
Technology spend up 47% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
2 branches in 2 counties across 2 states (+1 vs 2025) · $1.53B branch deposits. Biggest market: Butte, CA, ranked 1st with 19.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Butte, CA | 1 | $1.53B | 19.27% | 1st |
| Salt Lake, UT | 1 | $0 | 0.00% | 143rd |
California: 106th with 0.07% · Utah: 178th with 0.00% · Chico metro: 1st, 19.27% · Salt Lake City-Murray metro: 143rd, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2