| Metric | RCB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +5.5% | -5.2 pts |
| Deposit growth (YoY) | -0.5% | +5.1% | -5.5 pts |
| Loan growth (YoY) | -0.9% | +5.9% | -6.8 pts |
| ROA | 1.47% | 1.26% | +0.2 pts |
| ROE | 12.7% | 12.2% | +0.5 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.98B | $3.49B | $2.26B | $473.4M | $29.7M | 1.47% | 3.82% | 0.55% |
| Q1 2026 | $4.07B | $3.58B | $2.18B | $469.3M | $14.2M | 1.40% | 3.72% | 0.71% |
| Q4 2025 | $4.06B | $3.57B | $2.23B | $463.8M | $52.1M | 1.32% | 3.62% | 0.66% |
| Q3 2025 | $3.89B | $3.41B | $2.27B | $449.8M | $38.3M | 1.31% | 3.60% | 0.37% |
| Q2 2025 | $3.97B | $3.50B | $2.28B | $438.4M | $24.5M | 1.25% | 3.54% | 0.39% |
| Q1 2025 | $3.90B | $3.43B | $2.24B | $430.4M | $12.1M | 1.24% | 3.50% | 0.40% |
| Q4 2024 | $3.87B | $3.44B | $2.24B | $403.8M | $43.5M | 1.09% | 3.17% | 0.27% |
| Q3 2024 | $4.14B | $3.37B | $2.26B | $423.5M | $30.2M | 1.00% | 3.03% | 0.27% |
Loan mix (Q2 2026): real estate $1.27B · commercial $102.2M · consumer $183.0M · securities $1.26B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | RCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 59.0% | 67th |
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 | RCB Bank | 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 | RCB Bank | 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 | RCB Bank | 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 | RCB Bank | 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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