Now part of Sunwest Bank (Sandy, UT). Figures below are from its last filing. All recent changes →
| Metric | Nano Banc | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -20.9% | +4.9% | -25.8 pts |
| Deposit growth (YoY) | -14.8% | +4.3% | -19.1 pts |
| Loan growth (YoY) | -22.5% | +5.3% | -27.9 pts |
| ROA | -0.54% | 1.28% | -1.8 pts |
| ROE | -10.9% | 12.5% | -23.4 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $736.2M | $685.8M | $458.9M | $38.8M | $-2.2M | -0.54% | 2.15% | 16.74% |
| Q1 2026 | $860.0M | $789.7M | $497.0M | $41.2M | $119K | 0.05% | 2.41% | 12.19% |
| Q4 2025 | $875.4M | $732.7M | $527.9M | $41.5M | $-75.3M | -8.07% | 3.24% | 15.02% |
| Q3 2025 | $908.5M | $755.1M | $561.8M | $67.1M | $-49.5M | -6.97% | 3.55% | 9.84% |
| Q2 2025 | $931.1M | $804.6M | $592.4M | $100.9M | $-15.4M | -3.20% | 3.70% | 6.71% |
| Q1 2025 | $996.6M | $870.2M | $631.3M | $115.7M | $-252K | -0.10% | 3.84% | 1.16% |
| Q4 2024 | $955.1M | $828.0M | $602.4M | $115.2M | $-9.6M | -0.99% | 4.03% | 0.11% |
| Q3 2024 | $1.05B | $919.1M | $593.1M | $125.9M | $602K | 0.08% | 4.01% | 1.38% |
Loan mix (Q2 2026): real estate $362.6M · commercial $28.3M · consumer $0 · securities $40.1M
| Ratio | Nano Banc | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.54% | 1.28% | — | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 12.5% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.89% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | -5.6% |
Peer lists, growth filters, CSV export, CRM push.
| 61.1% |
| — |
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 | Nano Banc | 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 | Nano Banc | 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 | Nano Banc | 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 | Nano Banc | 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 | Nano Banc | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $685.8M branch deposits. Biggest market: Orange, CA, ranked 35th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $685.8M | 0.38% | 35th |
California: 175th with 0.03% · Los Angeles-Long Beach-Anaheim metro: 77th, 0.09% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 1 · 2026 1