| Metric | Twin Cedars Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.1 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | -2.34% | 1.24% | -3.6 pts |
| ROE | -20.9% | 11.9% | -32.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.3M | $104.7M | $88.2M | $12.8M | $-1.4M | -2.34% | 3.98% | 3.54% |
| Q1 2026 | $117.2M | $102.7M | $95.0M | $13.6M | $-103K | -0.34% | 4.04% | 3.46% |
| Q4 2025 | $122.0M | $105.4M | $97.3M | $13.7M | $359K | 0.31% | 4.46% | 1.62% |
| Q3 2025 | $121.1M | $103.8M | $100.0M | $13.5M | $219K | 0.26% | 4.52% | 1.43% |
| Q2 2025 | $113.3M | $98.7M | $92.2M | $13.7M | $379K | 0.68% | 4.55% | 1.60% |
| Q1 2025 | $112.0M | $95.7M | $90.1M | $13.5M | $161K | 0.59% | 4.37% | 0.85% |
| Q4 2024 | $107.9M | $91.8M | $84.4M | $13.3M | $158K | 0.17% | 4.61% | 0.95% |
| Q3 2024 | $101.3M | $84.1M | $80.5M | $13.2M | $90K | 0.14% | 4.77% | 0.81% |
Loan mix (Q2 2026): real estate $66.6M · commercial $18.3M · consumer $1.1M · securities $20K
| Ratio | Twin Cedars Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.34% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -20.9% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.2% | 62.9% | 98th |
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 | Twin Cedars 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 | Twin Cedars 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 | Twin Cedars 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 | Twin Cedars 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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