| Metric | Crescent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.5% | -2.9 pts |
| Deposit growth (YoY) | -3.2% | +5.1% | -8.2 pts |
| Loan growth (YoY) | -53.5% | +5.9% | -59.4 pts |
| ROA | 8.34% | 1.26% | +7.1 pts |
| ROE | 59.1% | 12.2% | +47.0 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 | $1.07B | $880.1M | $384.3M | $153.5M | $42.3M | 8.34% | 4.48% | 0.47% |
| Q1 2026 | $1.01B | $832.9M | $324.9M | $160.8M | $48.5M | 19.63% | 7.00% | 0.35% |
| Q4 2025 | $971.2M | $845.0M | $706.6M | $114.4M | $13.0M | 1.25% | 13.38% | 3.06% |
| Q3 2025 | $1.00B | $871.3M | $749.4M | $116.7M | $13.4M | 1.70% | 13.79% | 2.79% |
| Q2 2025 | $1.04B | $908.9M | $825.9M | $118.3M | $14.3M | 2.67% | 14.07% | 2.54% |
| Q1 2025 | $1.06B | $934.2M | $844.7M | $109.2M | $5.6M | 2.04% | 13.96% | 2.31% |
| Q4 2024 | $1.12B | $1.00B | $892.8M | $102.2M | $-3.0M | -0.24% | 13.95% | 3.00% |
| Q3 2024 | $1.21B | $1.10B | $947.9M | $95.5M | $-14.9M | -1.54% | 13.86% | 2.68% |
Loan mix (Q2 2026): real estate $74.8M · commercial $47.5M · consumer $68.1M · securities $567.5M
| Ratio | Crescent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.34% | 1.26% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 59.1% | 12.2% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% | 59.0% | 0th |
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 | Crescent 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 | Crescent 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 | Crescent 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 | Crescent 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.