| Metric | Cross River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +5.5% | +2.0 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.5 pts |
| Loan growth (YoY) | +5.2% | +5.9% | -0.8 pts |
| ROA | 0.12% | 1.26% | -1.1 pts |
| ROE | 1.0% | 12.2% | -11.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.53B | $6.68B | $5.87B | $1.03B | $5.2M | 0.12% | 5.10% | 2.59% |
| Q1 2026 | $8.71B | $6.73B | $5.65B | $1.04B | $11.5M | 0.55% | 4.93% | 2.89% |
| Q4 2025 | $8.06B | $6.19B | $5.19B | $1.06B | $24.0M | 0.29% | 5.60% | 3.87% |
| Q3 2025 | $8.12B | $6.59B | $5.66B | $1.05B | $27.3M | 0.44% | 5.62% | 2.49% |
| Q2 2025 | $7.94B | $6.65B | $5.58B | $1.05B | $23.3M | 0.57% | 5.65% | 2.20% |
| Q1 2025 | $8.54B | $6.56B | $6.16B | $1.04B | $18.5M | 0.88% | 5.77% | 7.64% |
| Q4 2024 | $8.27B | $6.23B | $5.77B | $1.02B | $37.5M | 0.43% | 5.72% | 8.13% |
| Q3 2024 | $8.44B | $6.74B | $5.77B | $1.00B | $25.5M | 0.39% | 5.78% | 8.17% |
Loan mix (Q2 2026): real estate $1.38B · commercial $134.2M · consumer $2.76B · securities $1.37B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cross River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 1.26% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 59.0% | 95th |
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 | Cross River 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 | Cross River 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 | Cross River 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 | Cross River 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.