| Metric | U. S. Century Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +5.5% | +5.5 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.2 pts |
| Loan growth (YoY) | +9.9% | +5.9% | +4.0 pts |
| ROA | 1.49% | 1.26% | +0.2 pts |
| ROE | 16.8% | 12.2% | +4.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.02B | $2.48B | $2.30B | $263.6M | $21.5M | 1.49% | 3.49% | 0.07% |
| Q1 2026 | $2.84B | $2.51B | $2.21B | $256.2M | $11.0M | 1.56% | 3.40% | 0.13% |
| Q4 2025 | $2.79B | $2.36B | $2.16B | $248.2M | $29.7M | 1.10% | 3.30% | 0.11% |
| Q3 2025 | $2.77B | $2.49B | $2.11B | $240.0M | $27.0M | 1.34% | 3.23% | 0.05% |
| Q2 2025 | $2.72B | $2.36B | $2.09B | $228.1M | $17.0M | 1.28% | 3.19% | 0.05% |
| Q1 2025 | $2.68B | $2.32B | $2.01B | $221.9M | $8.2M | 1.25% | 3.07% | 0.16% |
| Q4 2024 | $2.58B | $2.18B | $1.95B | $210.3M | $26.7M | 1.08% | 2.99% | 0.10% |
| Q3 2024 | $2.50B | $2.15B | $1.91B | $211.1M | $19.0M | 1.04% | 2.92% | 0.11% |
Loan mix (Q2 2026): real estate $1.66B · commercial $303.7M · consumer $204.0M · securities $469.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | U. S. Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 59.0% | 14th |
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 | U. S. Century 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 | U. S. Century 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 | U. S. Century 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 | U. S. Century Bank | 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.