| Metric | Continental Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +4.4% | -9.3 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.4 pts |
| Loan growth (YoY) | -8.0% | +5.6% | -13.6 pts |
| ROA | 2.63% | 1.24% | +1.4 pts |
| ROE | 16.9% | 11.9% | +5.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $181.8M | $141.0M | $143.8M | $29.5M | $2.4M | 2.63% | 5.00% | 0.79% |
| Q1 2026 | $180.7M | $144.5M | $142.5M | $28.5M | $850K | 1.85% | 4.94% | 1.12% |
| Q4 2025 | $187.8M | $143.9M | $142.0M | $27.6M | $310K | 0.16% | 5.33% | 0.82% |
| Q3 2025 | $188.2M | $141.1M | $145.7M | $27.6M | $305K | 0.21% | 5.51% | 1.44% |
| Q2 2025 | $191.3M | $144.4M | $156.3M | $27.4M | $17K | 0.02% | 5.48% | 1.17% |
| Q1 2025 | $188.1M | $139.3M | $154.5M | $27.2M | $-206K | -0.43% | 5.04% | 0.65% |
| Q4 2024 | $191.2M | $141.9M | $158.6M | $27.2M | $692K | 0.39% | 6.08% | 1.32% |
| Q3 2024 | $171.4M | $123.5M | $139.4M | $27.5M | $1.0M | 0.79% | 6.25% | 2.03% |
Loan mix (Q2 2026): real estate $24.1M · commercial $121.8M · consumer $0 · securities $14.4M
| Ratio | Continental Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.63% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 61th |
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 | Continental 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 | Continental 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 | Continental 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 | Continental 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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