| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.9% | +4.4% | -11.2 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | -12.7% | +5.6% | -18.3 pts |
| ROA | -0.44% | 1.24% | -1.7 pts |
| ROE | -3.1% | 11.9% | -15.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $399.2M | $336.3M | $325.4M | $57.1M | $-907K | -0.44% | 3.31% | 0.00% |
| Q1 2026 | $396.5M | $336.4M | $333.3M | $57.6M | $-383K | -0.37% | 3.31% | 0.00% |
| Q4 2025 | $442.0M | $381.1M | $345.9M | $58.0M | $-5.5M | -1.25% | 2.89% | 0.00% |
| Q3 2025 | $413.7M | $336.6M | $361.5M | $58.6M | $-4.9M | -1.47% | 2.82% | 0.00% |
| Q2 2025 | $428.7M | $327.6M | $373.0M | $60.1M | $-3.2M | -1.41% | 2.67% | 0.00% |
| Q1 2025 | $445.4M | $380.7M | $384.6M | $61.7M | $-1.6M | -1.43% | 2.48% | 0.00% |
| Q4 2024 | $478.8M | $403.0M | $411.8M | $63.2M | $-8.8M | -1.67% | 2.06% | 0.00% |
| Q3 2024 | $502.6M | $427.6M | $435.8M | $68.8M | $-3.3M | -0.83% | 1.96% | 0.00% |
Loan mix (Q2 2026): real estate $327.8M · commercial $1.3M · consumer $245K · securities $7.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.44% | 1.24% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 11.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.8% | 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 | 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.
Liberty Bank, National Association is in an open deal as the target: Nir Zuk to take control of Liberty Bank N.A. (approved, filed Apr 11, 2026). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jun 23, 2026 | Target | Nir Zuk | Change in control | Approved | Federal Reserve |
Technology spend up 37% 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).
4 branches in 3 counties across 1 state (+0 vs 2025) · $336.3M branch deposits. Biggest market: Orange, CA, ranked 66th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $177.0M | 0.10% | 66th |
| Santa Cruz, CA | 2 | $101.4M | 1.07% | 10th |
| San Mateo, CA | 1 | $57.9M | 0.13% | 39th |
California: 223rd with 0.02% · Los Angeles-Long Beach-Anaheim metro: 140th, 0.02% · Santa Cruz-Watsonville metro: 10th, 1.07% ·
Branch count: 2022 1 · 2023 4 · 2024 4 · 2025 4 · 2026 4