| Metric | Valley Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.9 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 0.35% | 1.24% | -0.9 pts |
| ROE | 1.7% | 11.9% | -10.1 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.7M | $146.0M | $140.6M | $38.1M | $329K | 0.35% | 3.52% | 1.66% |
| Q1 2026 | $187.5M | $147.0M | $137.0M | $37.9M | $125K | 0.27% | 3.38% | 1.50% |
| Q4 2025 | $186.8M | $146.3M | $141.0M | $37.8M | $643K | 0.35% | 3.43% | 0.15% |
| Q3 2025 | $182.7M | $138.1M | $138.7M | $37.7M | $579K | 0.42% | 3.47% | 0.16% |
| Q2 2025 | $182.8M | $136.6M | $144.2M | $37.4M | $371K | 0.41% | 3.49% | 0.16% |
| Q1 2025 | $181.5M | $134.9M | $151.1M | $37.2M | $193K | 0.43% | 3.46% | 0.09% |
| Q4 2024 | $179.7M | $131.3M | $148.7M | $36.9M | $468K | 0.27% | 3.26% | 0.10% |
| Q3 2024 | $177.5M | $128.5M | $148.9M | $36.8M | $294K | 0.23% | 3.20% | 0.18% |
Loan mix (Q2 2026): real estate $138.1M · commercial $3.1M · consumer $1.2M · securities $11.3M
| Ratio | Valley Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 62.9% | 92th |
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 Central 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 | Valley Central 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 | Valley Central 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 | Valley Central 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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