| Metric | Icon Business Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.4% | -4.7 pts |
| Deposit growth (YoY) | -6.4% | +4.0% | -10.4 pts |
| Loan growth (YoY) | +13.8% | +5.6% | +8.2 pts |
| ROA | -0.88% | 1.24% | -2.1 pts |
| ROE | -8.6% | 11.9% | -20.4 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.5M | $129.2M | $121.3M | $18.6M | $-671K | -0.88% | 4.39% | 0.17% |
| Q1 2026 | $156.7M | $124.7M | $125.3M | $16.0M | $-334K | -0.88% | 4.42% | 0.22% |
| Q4 2025 | $147.0M | $125.6M | $117.0M | $12.5M | $-4.3M | -3.12% | 3.95% | 0.09% |
| Q3 2025 | $163.0M | $146.0M | $110.6M | $12.8M | $-3.9M | -3.90% | 3.68% | 0.03% |
| Q2 2025 | $156.0M | $138.0M | $106.6M | $13.8M | $-2.8M | -4.47% | 3.56% | 0.02% |
| Q1 2025 | $121.1M | $101.7M | $75.0M | $15.2M | $-1.3M | -4.76% | 3.82% | 0.01% |
| Q4 2024 | $96.9M | $77.4M | $66.4M | $15.5M | $-5.8M | -9.22% | 4.32% | 0.00% |
| Q3 2024 | $79.2M | $57.9M | $48.1M | $16.9M | $-4.4M | -10.68% | 4.44% | 0.00% |
Loan mix (Q2 2026): real estate $49.8M · commercial $56.2M · consumer $16.7M · securities $6.8M
| Ratio | Icon Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.88% | 1.24% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -8.6% | 11.9% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.4% | 62.9% | 99th |
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 | Icon Business 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 | Icon Business 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 | Icon Business 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 | Icon Business 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 | Icon Business 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $138.0M branch deposits. Biggest market: Riverside, CA, ranked 29th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Riverside, CA | 1 | $120.9M | 0.24% | 29th |
| Orange, CA | 1 | $17.1M | 0.01% | 96th |
California: 286th with 0.01% · Riverside-San Bernardino-Ontario metro: 47th, 0.12% · Los Angeles-Long Beach-Anaheim metro: 200th, 0.00% ·
Branch count: 2024 2 · 2025 2