| Metric | Tustin Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.0% | +4.0 pts |
| Deposit growth (YoY) | +9.8% | +2.5% | +7.3 pts |
| Loan growth (YoY) | +12.9% | +2.6% | +10.3 pts |
| ROA | 1.10% | 0.99% | +0.1 pts |
| ROE | 7.1% | 8.1% | -1.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.5M | $69.5M | $68.1M | $13.3M | $467K | 1.10% | 5.99% | 0.00% |
| Q1 2026 | $86.2M | $71.4M | $66.6M | $13.2M | $247K | 1.17% | 5.89% | 0.03% |
| Q4 2025 | $82.2M | $68.7M | $62.3M | $12.9M | $514K | 0.64% | 5.87% | 0.01% |
| Q3 2025 | $79.8M | $64.2M | $58.9M | $12.9M | $361K | 0.60% | 5.81% | 0.00% |
| Q2 2025 | $80.9M | $63.3M | $60.3M | $11.4M | $266K | 0.66% | 5.75% | 0.00% |
| Q1 2025 | $81.8M | $67.7M | $60.1M | $11.5M | $146K | 0.72% | 5.70% | 0.02% |
| Q4 2024 | $79.4M | $61.4M | $62.4M | $11.4M | $700K | 0.89% | 6.34% | 0.02% |
| Q3 2024 | $82.1M | $64.0M | $63.7M | $11.4M | $539K | 0.92% | 6.36% | 0.01% |
Loan mix (Q2 2026): real estate $39.4M · commercial $2.2M · consumer $28.6M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Tustin Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.99% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 8.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 70.8% | 58th |
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 | Tustin Community 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 | Tustin Community 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 | Tustin Community 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 | Tustin Community 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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