| Metric | HCN Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Deposit growth (YoY) | +0.4% | +4.3% | -4.0 pts |
| Loan growth (YoY) | +9.0% | +5.3% | +3.6 pts |
| ROA | 2.22% | 1.28% | +0.9 pts |
| ROE | 19.2% | 12.5% | +6.7 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $998.4M | $846.3M | $776.4M | $114.3M | $10.9M | 2.22% | 4.09% | 0.00% |
| Q1 2026 | $974.1M | $852.7M | $753.6M | $113.5M | $5.5M | 2.24% | 4.11% | 0.00% |
| Q4 2025 | $974.9M | $853.8M | $743.2M | $113.4M | $22.7M | 2.33% | 4.03% | 0.00% |
| Q3 2025 | $996.0M | $873.8M | $738.8M | $112.6M | $17.0M | 2.33% | 3.98% | 0.00% |
| Q2 2025 | $961.1M | $843.1M | $712.5M | $109.5M | $11.6M | 2.41% | 4.01% | 0.00% |
| Q1 2025 | $997.5M | $881.4M | $684.3M | $107.9M | $6.1M | 2.51% | 4.01% | 0.00% |
| Q4 2024 | $939.6M | $827.6M | $684.2M | $104.1M | $22.2M | 2.28% | 3.95% | 0.00% |
| Q3 2024 | $1.02B | $905.7M | $687.3M | $107.4M | $18.3M | 2.48% | 3.91% | 0.00% |
Loan mix (Q2 2026): real estate $767.8M · commercial $14.3M · consumer $205K · securities $108.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | HCN Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.28% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.5% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 61.1% | 10th |
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 | HCN 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 | HCN Bank | 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 | HCN 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 | HCN 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 | HCN 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.
Technology spend down 36% in 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).
7 branches in 1 county across 1 state (+1 vs 2025) · $846.3M branch deposits. Biggest market: Riverside, CA, ranked 12th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Riverside, CA | 7 | $846.3M | 1.60% | 12th |
California: 152nd with 0.04% · Riverside-San Bernardino-Ontario metro: 21st, 0.83% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 7