| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.0% | +4.9% | -14.9 pts |
| Deposit growth (YoY) | -11.9% | +4.3% | -16.2 pts |
| Loan growth (YoY) | +20.8% | +5.3% | +15.4 pts |
| ROA | 1.26% | 1.28% | -0.0 pts |
| ROE | 12.3% | 12.4% | -0.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $602.2M | $509.0M | $495.4M | $68.1M | $4.1M | 1.26% | 3.83% | 0.00% |
| Q1 2026 | $614.5M | $482.2M | $472.0M | $66.5M | $2.0M | 1.19% | 3.79% | 0.00% |
| Q4 2025 | $712.6M | $616.7M | $464.0M | $64.3M | $6.0M | 0.87% | 3.22% | 0.00% |
| Q3 2025 | $777.5M | $706.9M | $413.7M | $62.1M | $4.5M | 0.87% | 3.13% | 0.00% |
| Q2 2025 | $668.9M | $577.8M | $410.2M | $59.8M | $2.5M | 0.76% | 3.03% | 0.00% |
| Q1 2025 | $650.2M | $563.7M | $385.1M | $58.5M | $1.3M | 0.77% | 2.98% | 0.00% |
| Q4 2024 | $663.6M | $558.4M | $389.0M | $56.9M | $6.0M | 1.15% | 3.32% | 0.00% |
| Q3 2024 | $472.9M | $404.7M | $384.9M | $55.3M | $4.5M | 1.25% | 3.50% | 0.00% |
Loan mix (Q2 2026): real estate $471.7M · commercial $35.0M · consumer $0 · securities $3.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 61.2% | 18th |
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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $577.8M branch deposits. Biggest market: Orange, CA, ranked 40th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $480.8M | 0.28% | 40th |
| Los Angeles, CA | 1 | $97.0M | 0.02% | 140th |
California: 181st with 0.03% · Los Angeles-Long Beach-Anaheim metro: 80th, 0.08% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2