| Metric | Del Norte Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.3M | $127.2M | $124.8M | $15.3M | $935K | 1.22% | 4.87% | 0.03% |
| Q1 2026 | $152.3M | $123.0M | $123.8M | $14.8M | $425K | 1.12% | 4.81% | 1.10% |
| Q4 2025 | $150.7M | $121.2M | $122.6M | $14.5M | $1.4M | 0.99% | 4.71% | 0.37% |
| Q3 2025 | $148.7M | $121.8M | $118.2M | $14.1M | $1.1M | 1.00% | 4.67% | 0.63% |
| Q2 2025 | $147.9M | $123.0M | $118.9M | $13.6M | $728K | 1.02% | 4.63% | 0.42% |
| Q1 2025 | $141.1M | $118.0M | $113.8M | $13.2M | $352K | 1.00% | 4.56% | 0.08% |
| Q4 2024 | $140.8M | $120.2M | $112.8M | $12.7M | $1.3M | 0.92% | 4.41% | 0.36% |
| Q3 2024 | $147.8M | $125.0M | $112.5M | $13.3M | $844K | 0.80% | 4.30% | 0.38% |
Loan mix (Q2 2026): real estate $111.2M · commercial $2.5M · consumer $1.0M · securities $9.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Del Norte Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 62.9% | 64th |
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 | Del Norte 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 | Del Norte 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 | Del Norte 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 | Del Norte 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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