| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.1% | +4.4% | +11.8 pts |
| Deposit growth (YoY) | +15.7% | +4.0% | +11.8 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.5 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 16.0% | 11.9% | +4.1 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $127.5M | $101.3M | $109.4M | $17.2M | $1.3M | 2.12% | 4.75% | 0.64% |
| Q1 2026 | $123.1M | $101.2M | $102.8M | $16.3M | $405K | 1.34% | 4.68% | 0.69% |
| Q4 2025 | $119.0M | $96.2M | $104.9M | $15.5M | $2.1M | 1.84% | 4.81% | 0.76% |
| Q3 2025 | $115.8M | $93.3M | $96.5M | $15.1M | $1.6M | 1.91% | 4.76% | 0.92% |
| Q2 2025 | $109.8M | $87.5M | $96.7M | $14.5M | $1.0M | 1.91% | 4.80% | 0.77% |
| Q1 2025 | $106.0M | $85.4M | $91.0M | $12.9M | $540K | 2.03% | 4.82% | 0.12% |
| Q4 2024 | $106.7M | $85.4M | $90.6M | $12.6M | $1.5M | 1.60% | 5.14% | 0.03% |
| Q3 2024 | $104.3M | $80.5M | $87.0M | $9.1M | $1.1M | 1.51% | 5.24% | 0.03% |
Loan mix (Q2 2026): real estate $93.8M · commercial $4.2M · consumer $2.0M · securities $9.1M
| Ratio | Conservation First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21th |
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 | Conservation 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 | Conservation 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 | Conservation 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 | Conservation First 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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