| Metric | Malaga Bank F.S.B. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +1.6% | +5.1% | -3.5 pts |
| Loan growth (YoY) | +2.7% | +5.9% | -3.2 pts |
| ROA | 1.69% | 1.26% | +0.4 pts |
| ROE | 10.2% | 12.2% | -2.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.45B | $942.1M | $1.24B | $242.2M | $12.2M | 1.69% | 3.39% | 0.00% |
| Q1 2026 | $1.44B | $940.5M | $1.23B | $238.8M | $6.3M | 1.74% | 3.43% | 0.00% |
| Q4 2025 | $1.43B | $938.9M | $1.24B | $235.0M | $22.4M | 1.59% | 3.29% | 0.00% |
| Q3 2025 | $1.43B | $938.4M | $1.21B | $232.2M | $17.0M | 1.62% | 3.30% | 0.00% |
| Q2 2025 | $1.40B | $927.7M | $1.21B | $229.0M | $11.4M | 1.63% | 3.32% | 0.00% |
| Q1 2025 | $1.38B | $941.4M | $1.22B | $225.7M | $5.6M | 1.60% | 3.33% | 0.00% |
| Q4 2024 | $1.41B | $934.2M | $1.24B | $222.6M | $23.6M | 1.64% | 3.24% | 0.00% |
| Q3 2024 | $1.40B | $909.3M | $1.23B | $219.6M | $18.0M | 1.67% | 3.24% | 0.00% |
Loan mix (Q2 2026): real estate $1.24B · commercial $38K · consumer $26K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Malaga Bank F.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 29.0% | 59.0% | 2th |
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 | Malaga Bank F.S.B. | 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 | Malaga Bank F.S.B. | 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 | Malaga Bank F.S.B. | 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 | Malaga Bank F.S.B. | 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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