| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.3% | +4.9% | +25.3 pts |
| Deposit growth (YoY) | +28.2% | +4.3% | +23.9 pts |
| Loan growth (YoY) | +12.3% | +5.3% | +7.0 pts |
| ROA | 0.67% | 1.28% | -0.6 pts |
| ROE | 8.6% | 12.5% | -3.9 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $793.1M | $704.9M | $400.3M | $60.7M | $2.6M | 0.67% | 3.20% | 0.00% |
| Q1 2026 | $764.2M | $670.5M | $393.0M | $59.9M | $1.2M | 0.63% | 3.17% | 0.01% |
| Q4 2025 | $760.2M | $666.2M | $393.2M | $59.2M | $4.8M | 0.72% | 3.28% | 0.04% |
| Q3 2025 | $679.4M | $618.1M | $369.7M | $57.4M | $3.6M | 0.76% | 3.33% | 0.00% |
| Q2 2025 | $608.9M | $549.8M | $356.4M | $55.3M | $2.4M | 0.78% | 3.36% | 0.00% |
| Q1 2025 | $635.2M | $578.5M | $346.8M | $53.4M | $1.3M | 0.82% | 3.31% | 0.00% |
| Q4 2024 | $602.6M | $548.4M | $346.1M | $50.6M | $4.6M | 0.77% | 3.15% | 0.00% |
| Q3 2024 | $594.7M | $539.0M | $319.2M | $51.8M | $3.3M | 0.74% | 3.10% | 0.00% |
Loan mix (Q2 2026): real estate $365.5M · commercial $30.9M · consumer $7.6M · securities $286.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.5% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 61.1% | 73rd |
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.
5 branches in 4 counties across 1 state (+1 vs 2025) · $704.9M branch deposits. Biggest market: Sutter, CA, ranked 4th with 10.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sutter, CA | 1 | $390.6M | 10.15% | 4th |
| Placer, CA | 2 | $126.8M | 0.68% | 24th |
| Yuba, CA | 1 | $114.7M | 14.26% | 3rd |
| 1 more county with Pro → | ||||
California: 172nd with 0.03% · Yuba City metro: 3rd, 10.86% · Sacramento-Roseville-Folsom metro: 43rd, 0.11% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5
Technology spend in line with peers (14 bps of assets, 2025). 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).