| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +5.5% | -8.8 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Loan growth (YoY) | -1.8% | +6.0% | -7.8 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 8.2% | 12.2% | -4.0 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.28B | $1.04B | $730.6M | $185.2M | $7.4M | 1.14% | 3.81% | 0.21% |
| Q1 2026 | $1.29B | $1.04B | $734.0M | $178.8M | $3.6M | 1.08% | 3.77% | 0.21% |
| Q4 2025 | $1.34B | $1.03B | $735.0M | $182.4M | $12.8M | 0.96% | 3.51% | 0.02% |
| Q3 2025 | $1.35B | $1.05B | $732.9M | $175.6M | $9.0M | 0.91% | 3.44% | 0.01% |
| Q2 2025 | $1.33B | $1.02B | $744.0M | $162.1M | $5.9M | 0.90% | 3.37% | 0.01% |
| Q1 2025 | $1.31B | $1.02B | $726.8M | $160.2M | $2.7M | 0.82% | 3.33% | 0.01% |
| Q4 2024 | $1.31B | $1.02B | $722.5M | $155.5M | $10.9M | 0.83% | 3.41% | 0.03% |
| Q3 2024 | $1.31B | $1.01B | $698.5M | $167.5M | $8.5M | 0.87% | 3.38% | 0.09% |
Loan mix (Q2 2026): real estate $648.2M · commercial $58.4M · consumer $32.2M · securities $436.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 59.0% | 55th |
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.
9 branches in 2 counties across 1 state (+0 vs 2025) · $1.04B branch deposits. Biggest market: Mendocino, CA, ranked 1st with 31.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mendocino, CA | 8 | $981.5M | 31.52% | 1st |
| Lake, CA | 1 | $55.9M | 4.12% | 8th |
California: 137th with 0.05% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9 · 2026 9
Technology spend in line with peers (20 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).