| Metric | Valley Premier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.3 pts |
| Deposit growth (YoY) | -4.7% | +4.0% | -8.6 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.3 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 16.3% | 11.9% | +4.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.0M | $127.7M | $89.5M | $12.7M | $1.0M | 1.44% | 3.77% | 0.00% |
| Q1 2026 | $146.1M | $132.8M | $85.4M | $12.9M | $547K | 1.49% | 3.73% | 0.00% |
| Q4 2025 | $147.3M | $134.0M | $87.2M | $12.7M | $1.8M | 1.27% | 3.49% | 0.00% |
| Q3 2025 | $150.8M | $137.9M | $85.2M | $12.1M | $1.4M | 1.30% | 3.46% | 0.07% |
| Q2 2025 | $145.3M | $133.9M | $84.5M | $10.7M | $853K | 1.24% | 3.48% | 0.00% |
| Q1 2025 | $138.0M | $126.9M | $84.0M | $10.4M | $437K | 1.30% | 3.43% | 0.00% |
| Q4 2024 | $130.2M | $119.0M | $85.1M | $9.3M | $1.2M | 0.90% | 3.39% | 0.00% |
| Q3 2024 | $131.3M | $120.3M | $81.4M | $10.3M | $902K | 0.94% | 3.35% | 0.00% |
Loan mix (Q2 2026): real estate $60.1M · commercial $16.3M · consumer $4.8M · securities $40.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Valley Premier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 62.9% | 45th |
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 Premier 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 Premier 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 Premier 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 Premier 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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