Caliente, NV · Cert 22669
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
42
Profitability
52
Liquidity
0
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Caliente, NV · Cert 22669
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.0% share · #37 of 41 inst. · $0.0B of $95.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.58% | 0.85% | 0.91% | 0.91% | 0.92% | 1.14% | 0.98% | +6 bps | |
| Return on Equity | 6.39% | 6.70% | 9.55% | 10.05% | 9.79% | 9.79% | 11.25% | 9.64% | -41 bps | |
| Net Interest Margin | 3.14% | 3.21% | 3.50% | 3.47% | 3.46% | 3.31% | 3.47% | 3.73% | +26 bps | |
| Efficiency Ratio | 81.78% | 81.48% | 74.55% | 74.10% | 73.37% | 71.94% | 67.51% | 69.56% | -454 bps | |
| Non-Interest Burden | 2.48% | 2.51% | 2.46% | 2.42% | 2.39% | 2.23% | 2.18% | 2.40% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -0.06% | -0.24% | 1.98% | 1.58% | 10.70% | 3.19% | 7.03% | +505 bps | |
| Loan Growth (YoY) | 3.25% | 1.64% | -0.28% | -2.58% | -3.79% | -6.46% | -2.14% | -5.80% | -322 bps | |
| Deposit Growth (YoY) | -6.76% | 0.11% | 4.16% | 5.85% | 5.71% | 9.09% | 1.74% | 6.27% | +42 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.05% | 0.02% | 0.03% | 0.04% | 0.05% | 0.03% | 0.05% | +2 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.21% | 0.22% | 0.14% | 0.12% | 0.33% | -0.01% | 0.75% | +61 bps | |
| Allowance / Loans | 1.38% | 1.43% | 1.43% | 1.41% | 1.45% | 1.48% | 1.46% | 1.40% | -2 bps | |
| Allowance Coverage of NPLs | 11.8x | 30.3x | 87.5x | 42.3x | 37.5x | 27.9x | 50.1x | 28.6x | -13.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.90% | 12.07% | 12.41% | 12.39% | 12.40% | 11.74% | 11.75% | 13.01% | +61 bps | |
| Total Risk-Based Capital | 11.90% | 12.07% | 12.41% | 12.39% | 12.40% | 11.74% | 11.75% | 13.01% | +61 bps | |
| Equity / Assets | 9.26% | 8.58% | 9.21% | 9.46% | 10.10% | 9.85% | 10.46% | 10.06% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.33% | 41.21% | 40.65% | 39.02% | 39.44% | 35.34% | 39.10% | 34.59% | -443 bps | |
| Liquid Assets / Assets | 0.11% | 0.24% | 0.57% | 0.19% | 0.49% | 0.46% | 1.71% | 7.59% | +740 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 173.82% | 166.67% | 165.33% | n/a | n/a | |
Caliente, NV · Cert 22669 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.96%
Rank 340 of 629
Net Interest Margin
3.73%
Rank 256 of 629
Efficiency Ratio
69.56%
Rank 342 of 629
Equity / Assets
10.06%
Rank 376 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.60% | 1.01% | 1.45% | Beats 46% | 340 / 629 | n/a | |
| Return on Equity | 9.54% | 5.38% | 9.30% | 13.28% | Beats 51% | 310 / 629 | n/a | |
| Net Interest Margin | 3.73% | 3.03% | 3.54% | 4.05% | Beats 59% | 256 / 629 | n/a | |
| Efficiency Ratio | 69.56% | 58.35% | 67.79% | 79.08% | Beats 46% | 342 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 80% | 118 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.38% | n/a | 0.01% | 0.06% | Beats 4% | 556 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.01% | 11.24% | 13.84% | 18.77% | Beats 44% | 351 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 13.01% | 11.58% | 14.43% | 19.66% | Beats 39% | 386 / 629 | n/a | |
| Equity / Assets | 10.06% | 9.09% | 10.65% | 13.80% | Beats 40% | 376 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 34.59% | 67.24% | 80.90% | 93.48% | 5th pctl | 566 / 594 | n/a | |
| Loans / Assets | 31.04% | 53.31% | 67.71% | 78.15% | 11th pctl | 557 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||