| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.8% | +5.5% | +25.3 pts |
| Deposit growth (YoY) | +31.0% | +5.1% | +25.9 pts |
| Loan growth (YoY) | — | +6.0% | — |
| ROA | 1.45% | 1.26% | +0.2 pts |
| ROE | 23.1% | 12.2% | +10.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.23B | $8.70B | $0 | $513.1M | $58.9M | 1.45% | 2.72% | 0.00% |
| Q1 2026 | $8.32B | $7.80B | $0 | $509.2M | $28.8M | 1.53% | 2.86% | 0.00% |
| Q4 2025 | $6.77B | $6.24B | $0 | $509.9M | $109.6M | 1.59% | 2.93% | 0.00% |
| Q3 2025 | $7.98B | $7.49B | $0 | $465.5M | $80.7M | 1.55% | 2.87% | 0.00% |
| Q2 2025 | $7.06B | $6.64B | $0 | $397.1M | $53.1M | 1.61% | 3.00% | 0.00% |
| Q1 2025 | $6.62B | $6.26B | $0 | $353.7M | $25.3M | 1.59% | 3.01% | 0.00% |
| Q4 2024 | $6.12B | $5.85B | $0 | $253.4M | $-151.2M | -2.23% | 2.28% | 0.00% |
| Q3 2024 | $7.34B | $6.95B | $0 | $331.3M | $-183.3M | -3.52% | 1.94% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $7.14B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.8% | 59.0% | 4th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
10 branches in 10 counties across 10 states (+0 vs 2025) · $8.70B branch deposits. Biggest market: Orange, CA, ranked 7th with 4.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $7.27B | 4.00% | 7th |
| Maricopa, AZ | 1 | $545.8M | 0.25% | 33rd |
| Indian River, FL | 1 | $242.3M | 3.54% | 13th |
| 7 more counties with Pro → | ||||
California: 34th with 0.34% · Arizona: 41st with 0.20% · Florida: 170th with 0.02% · Texas: 377th with 0.01% · Massachusetts: 141st with 0.02% · Louisiana: 133rd with 0.06% · Utah: 84th with 0.01% · Nevada: 62nd with 0.04% · New Mexico: 92nd with 0.02% · Hawaii: 58th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 17th, 0.97% · Phoenix-Mesa-Chandler metro: 34th, 0.25% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10 · 2026 10
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).