| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +4.4% | +9.3 pts |
| Deposit growth (YoY) | +13.6% | +4.0% | +9.6 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.3 pts |
| ROA | 3.53% | 1.24% | +2.3 pts |
| ROE | 24.8% | 11.9% | +12.9 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $304.1M | $260.2M | $155.0M | $43.5M | $5.3M | 3.53% | 5.88% | 1.72% |
| Q1 2026 | $297.7M | $256.3M | $158.1M | $41.2M | $2.6M | 3.49% | 5.90% | 1.73% |
| Q4 2025 | $291.4M | $248.0M | $154.3M | $42.6M | $10.1M | 3.50% | 6.00% | 1.83% |
| Q3 2025 | $267.3M | $226.4M | $149.7M | $40.5M | $7.6M | 3.51% | 5.93% | 2.49% |
| Q2 2025 | $267.7M | $229.1M | $141.0M | $38.3M | $5.1M | 3.40% | 5.92% | 1.70% |
| Q1 2025 | $346.1M | $310.2M | $142.2M | $35.8M | $2.1M | 2.74% | 5.35% | 1.29% |
| Q4 2024 | $278.6M | $239.3M | $145.5M | $38.8M | $10.5M | 3.76% | 6.30% | 1.88% |
| Q3 2024 | $266.3M | $228.7M | $149.0M | $37.0M | $8.4M | 3.99% | 6.22% | 2.62% |
Loan mix (Q2 2026): real estate $57.9M · commercial $37.1M · consumer $509K · securities $2.9M
| Ratio | Valley Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.53% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 24.8% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.9% | 62.9% | 2th |
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 | Valley Bank of Commerce | 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 | Valley Bank of Commerce | 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 | Valley Bank of Commerce | 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 | Valley Bank of Commerce | 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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