| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 18.5% | 11.9% | +6.7 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.8M | $239.4M | $190.0M | $22.4M | $2.0M | 1.51% | 3.87% | 0.35% |
| Q1 2026 | $268.2M | $239.1M | $191.6M | $21.9M | $1.0M | 1.51% | 3.85% | 0.36% |
| Q4 2025 | $264.9M | $236.0M | $191.0M | $21.1M | $3.5M | 1.34% | 3.86% | 0.02% |
| Q3 2025 | $266.2M | $237.8M | $186.1M | $21.3M | $2.5M | 1.30% | 3.77% | 0.16% |
| Q2 2025 | $264.9M | $238.4M | $177.6M | $19.5M | $1.6M | 1.28% | 3.69% | 0.29% |
| Q1 2025 | $252.5M | $226.3M | $182.3M | $19.1M | $776K | 1.26% | 3.56% | 0.32% |
| Q4 2024 | $238.5M | $213.5M | $181.8M | $17.7M | $2.1M | 0.88% | 3.35% | 0.17% |
| Q3 2024 | $243.0M | $217.1M | $169.7M | $19.3M | $1.6M | 0.90% | 3.24% | 0.20% |
Loan mix (Q2 2026): real estate $175.0M · commercial $17.2M · consumer $1.3M · securities $40.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | South Coast Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 62.9% | 45th |
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 | South Coast Bank & Trust | 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 | South Coast Bank & Trust | 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 | South Coast Bank & Trust | 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 | South Coast Bank & Trust | 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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