C3bank, National Association
Encinitas, CA · Cert 25249 · Peer group: banks under $1B in assets (n=581-629) · C3 Bcorp
National charter · OCC · 4 branches
Q2 2026
$949.3MAssets
$602.0MLoans
$836.4MDeposits
$93.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 62% of banks under $1B in assets (rank 387 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.14%
Rank 264 of 629
Net Interest Margin
3.80%
Rank 229 of 629
Efficiency Ratio
54.22%
Rank 113 of 629
Equity / Assets
9.87%
Rank 387 of 629
Non-interest income vs. expense
Unfavorable gap of $17.7M · efficiency ratio beats 82% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.60% | 1.01% | 1.45% | Beats 58% | 264 / 629 | | |
| Return on Equity | 11.52% | 5.38% | 9.30% | 13.28% | Beats 63% | 231 / 629 | | |
| Net Interest Margin | 3.80% | 3.03% | 3.54% | 4.05% | Beats 63% | 229 / 629 | | |
| Efficiency Ratio | 54.22% | 58.35% | 67.79% | 79.08% | Beats 82% | 113 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.57% | 11.24% | 13.84% | 18.77% | Beats 68% | 202 / 629 | | |
| Total Risk-Based Capital Ratio | 17.83% | 11.58% | 14.43% | 19.66% | Beats 70% | 189 / 629 | | |
| Equity / Assets | 9.87% | 9.09% | 10.65% | 13.80% | Beats 38% | 387 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.98% | 67.24% | 80.90% | 93.48% | 33rd pctl | 396 / 594 | | |
| Loans / Assets | 63.42% | 53.31% | 67.71% | 78.15% | 42nd pctl | 366 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |