Hatch Bank
San Marcos, CA · Cert 25803 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$177.5MAssets
$110.1MLoans
$41.3MDeposits
$37.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets (rank 22 of 629).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 612 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.24%
Rank 558 of 629
Net Interest Margin
5.10%
Rank 22 of 629
Efficiency Ratio
151.58%
Rank 612 of 629
Equity / Assets
20.98%
Rank 73 of 629
Non-interest income vs. expense
Unfavorable gap of $13.0M · efficiency ratio beats 3% 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 | 0.24% | 0.60% | 1.01% | 1.45% | Beats 11% | 558 / 629 | | |
| Return on Equity | 1.16% | 5.38% | 9.30% | 13.28% | Beats 10% | 569 / 629 | | |
| Net Interest Margin | 5.10% | 3.03% | 3.54% | 4.05% | Beats 97% | 22 / 629 | | |
| Efficiency Ratio | 151.58% | 58.35% | 67.79% | 79.08% | Beats 3% | 612 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.46% | 1.20% | Beats 74% | 153 / 581 | | |
| Net Charge-Offs / Loans | 0.40% | n/a | 0.01% | 0.06% | Beats 4% | 558 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 31.63% | 11.24% | 13.84% | 18.77% | Beats 88% | 76 / 629 | | |
| Total Risk-Based Capital Ratio | 31.73% | 11.58% | 14.43% | 19.66% | Beats 88% | 77 / 629 | | |
| Equity / Assets | 20.98% | 9.09% | 10.65% | 13.80% | Beats 88% | 73 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 266% | 67.24% | 80.90% | 93.48% | 100th pctl | 2 / 594 | | |
| Loans / Assets | 62.02% | 53.31% | 67.71% | 78.15% | 38th pctl | 388 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |