| Metric | Cottonwood Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.0% | +0.9 pts |
| Deposit growth (YoY) | +2.2% | +2.5% | -0.3 pts |
| Loan growth (YoY) | -13.8% | +2.6% | -16.4 pts |
| ROA | 0.93% | 0.99% | -0.1 pts |
| ROE | 8.1% | 8.1% | -0.0 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 | $38.1M | $32.7M | $5.8M | $4.5M | $175K | 0.93% | 2.92% | 0.00% |
| Q1 2026 | $38.3M | $33.1M | $5.7M | $4.2M | $100K | 1.06% | 2.84% | 0.00% |
| Q4 2025 | $37.1M | $31.9M | $6.0M | $4.3M | $210K | 0.56% | 2.77% | 0.00% |
| Q3 2025 | $38.7M | $33.4M | $6.7M | $4.3M | $330K | 1.18% | 2.70% | 0.00% |
| Q2 2025 | $36.6M | $32.0M | $6.8M | $3.8M | $167K | 0.90% | 2.60% | 0.02% |
| Q1 2025 | $37.0M | $32.7M | $3.4M | $3.3M | $62K | 0.67% | 2.25% | 0.02% |
| Q4 2024 | $37.5M | $33.4M | $3.9M | $3.2M | $61K | 0.16% | 2.36% | 0.00% |
| Q3 2024 | $39.7M | $35.1M | $3.7M | $3.8M | $98K | 0.33% | 2.22% | 0.00% |
Loan mix (Q2 2026): real estate $1.3M · commercial $918K · consumer $2.7M · securities $22.5M
| Ratio | Cottonwood Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.99% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
13th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 70.8% | 46th |
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 | Cottonwood Valley 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 | Cottonwood Valley 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 | Cottonwood Valley 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 | Cottonwood Valley 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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