| Metric | The Cecilian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +2.2% | +5.9% | -3.7 pts |
| ROA | 1.67% | 1.26% | +0.4 pts |
| ROE | 16.1% | 12.2% | +4.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.33B | $1.06B | $163.7M | $13.2M | 1.67% | 3.92% | 0.27% |
| Q1 2026 | $1.57B | $1.30B | $1.04B | $162.8M | $6.3M | 1.61% | 3.83% | 0.27% |
| Q4 2025 | $1.56B | $1.28B | $1.05B | $163.2M | $21.3M | 1.39% | 3.65% | 0.26% |
| Q3 2025 | $1.55B | $1.27B | $1.05B | $161.9M | $16.0M | 1.39% | 3.56% | 0.31% |
| Q2 2025 | $1.56B | $1.27B | $1.03B | $157.0M | $9.6M | 1.26% | 3.44% | 0.22% |
| Q1 2025 | $1.53B | $1.26B | $1.02B | $152.4M | $4.0M | 1.06% | 3.33% | 0.27% |
| Q4 2024 | $1.51B | $1.25B | $1.00B | $144.6M | $14.7M | 0.98% | 3.07% | 0.27% |
| Q3 2024 | $1.50B | $1.23B | $978.0M | $146.5M | $11.0M | 0.97% | 3.00% | 0.26% |
Loan mix (Q2 2026): real estate $938.2M · commercial $60.2M · consumer $47.1M · securities $338.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Cecilian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 59.0% | 20th |
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 | The Cecilian 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 | The Cecilian 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 | The Cecilian 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 | The Cecilian 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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