No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $302.6M | $262.1M | $261.6M | $26.2M | $3.2M | 2.15% | 4.77% | 0.28% |
| Q1 2026 | $305.6M | $266.0M | $261.3M | $26.1M | $1.4M | 1.90% | 4.59% | 0.00% |
| Q4 2025 | $286.6M | $244.2M | $248.6M | $25.2M | $6.0M | 2.16% | 4.53% | 0.00% |
| Q3 2025 | $271.3M | $245.7M | $234.0M | $24.0M | $4.6M | 2.21% | 4.50% | 0.07% |
| Q2 2025 | $284.2M | $253.2M | $245.6M | $22.8M | $2.8M | 2.01% | 4.33% | 0.05% |
| Q1 2025 | $284.4M | $250.7M | $244.9M | $22.1M | $1.1M | 1.64% | 4.19% | 0.12% |
| Q4 2024 | $268.4M | $236.6M | $231.1M | $21.3M | $4.0M | 1.57% | 3.82% | 0.00% |
| Q3 2024 | $264.2M | $235.0M | $226.7M | $20.4M | $2.9M | 1.52% | 3.77% | 0.27% |
Loan mix (Q2 2026): real estate $259.6M · commercial $3.7M · consumer $788K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | VALOR BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 24.8% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 38th |
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 | VALOR 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 | VALOR 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 | VALOR 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 | VALOR 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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