| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +5.5% | -8.3 pts |
| Deposit growth (YoY) | +48.6% | +5.1% | +43.5 pts |
| Loan growth (YoY) | +22.6% | +6.0% | +16.6 pts |
| ROA | 0.67% | 1.26% | -0.6 pts |
| ROE | 5.5% | 12.2% | -6.7 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $653.0M | $528.1M | $142.0M | $3.8M | 0.67% | 3.08% | 0.23% |
| Q1 2026 | $1.08B | $559.8M | $504.0M | $139.7M | $1.7M | 0.62% | 3.11% | 0.26% |
| Q4 2025 | $1.14B | $516.7M | $481.9M | $140.5M | $8.2M | 0.69% | 2.83% | 0.24% |
| Q3 2025 | $1.16B | $541.4M | $464.1M | $139.1M | $5.4M | 0.60% | 2.79% | 0.32% |
| Q2 2025 | $1.24B | $439.3M | $430.9M | $139.4M | $4.5M | 0.75% | 2.73% | 0.00% |
| Q1 2025 | $1.14B | $454.0M | $433.9M | $138.0M | $1.8M | 0.61% | 2.80% | 0.00% |
| Q4 2024 | $1.25B | $534.8M | $404.7M | $138.1M | $8.9M | 0.78% | 2.97% | 0.00% |
| Q3 2024 | $937.6M | $385.6M | $403.6M | $137.3M | $6.4M | 0.77% | 3.01% | 0.00% |
Loan mix (Q2 2026): real estate $371.2M · commercial $150.4M · consumer $0 · securities $120.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 59.0% | 94th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $653.0M branch deposits. Biggest market: Contra Costa, CA, ranked 15th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Contra Costa, CA | 1 | $653.0M | 1.15% | 15th |
California: 180th with 0.03% · San Francisco-Oakland-Fremont metro: 46th, 0.12% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 59% in 2024. 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).