| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +3.1% | +5.1% | -2.0 pts |
| Loan growth (YoY) | +5.1% | +5.9% | -0.8 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.00B | $1.76B | $1.15B | $216.0M | $11.1M | 1.11% | 4.08% | 0.13% |
| Q1 2026 | $2.01B | $1.78B | $1.13B | $205.3M | $5.6M | 1.10% | 4.07% | 0.24% |
| Q4 2025 | $2.02B | $1.79B | $1.13B | $207.6M | $24.8M | 1.27% | 4.15% | 0.23% |
| Q3 2025 | $2.00B | $1.78B | $1.10B | $198.0M | $18.3M | 1.26% | 4.14% | 0.00% |
| Q2 2025 | $1.92B | $1.71B | $1.10B | $185.4M | $11.3M | 1.18% | 4.09% | 0.00% |
| Q1 2025 | $1.92B | $1.71B | $1.08B | $183.1M | $5.5M | 1.15% | 4.05% | 0.00% |
| Q4 2024 | $1.90B | $1.70B | $1.09B | $182.8M | $25.7M | 1.39% | 4.08% | 0.00% |
| Q3 2024 | $1.90B | $1.69B | $1.06B | $184.7M | $19.5M | 1.41% | 4.08% | 0.00% |
Loan mix (Q2 2026): real estate $1.04B · commercial $77.3M · consumer $624K · securities $535.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 59.0% | 66th |
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.
19 branches in 7 counties across 1 state (+0 vs 2024) · $1.71B branch deposits. Biggest market: Stanislaus, CA, ranked 6th with 5.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stanislaus, CA | 7 | $769.3M | 5.87% | 6th |
| San Joaquin, CA | 5 | $465.0M | 2.67% | 11th |
| Tuolumne, CA | 2 | $262.0M | 17.69% | 3rd |
| 4 more counties with Pro → | ||||
California: 94th with 0.09% · Modesto metro: 6th, 5.87% · Stockton-Lodi metro: 11th, 2.67% ·
Branch count: 2022 18 · 2023 19 · 2024 19 · 2025 19