Scottsdale, AZ · Cert 29087 · Bancorp 34 Inc.
SL · OCC · 8 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
66
Asset Quality
25
Profitability
44
Liquidity
42
Efficiency
41
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.
Scottsdale, AZ · Cert 29087 · Bancorp 34 Inc.
SL · OCC · 8 branches
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.2% share · #27 of 55 inst. · $0.3B of $192.0B
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 | -0.14% | -0.06% | 1.14% | 1.11% | 1.04% | 0.98% | 0.85% | 0.90% | -21 bps | |
| Return on Equity | -1.34% | -0.52% | 9.85% | 9.51% | 8.62% | 8.01% | 6.46% | 6.74% | -276 bps | |
| Net Interest Margin | 3.18% | 3.30% | 3.60% | 3.62% | 3.56% | 3.68% | 3.81% | 3.77% | +15 bps | |
| Efficiency Ratio | 84.34% | 85.65% | 72.87% | 72.47% | 72.82% | 72.45% | 68.21% | 67.51% | -496 bps | |
| Non-Interest Burden | 2.79% | 2.93% | 2.73% | 2.75% | 2.72% | 2.79% | 2.71% | 2.63% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.41% | 57.87% | -3.63% | 1.06% | -4.25% | -2.24% | -2.64% | -3.74% | -481 bps | |
| Loan Growth (YoY) | 46.42% | 47.93% | -9.82% | -8.04% | -1.79% | 5.38% | 4.35% | 4.55% | +1,258 bps | |
| Deposit Growth (YoY) | 61.80% | 66.29% | -0.67% | 3.08% | -3.34% | -4.31% | -4.31% | -5.61% | -868 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.70% | 0.84% | 0.64% | 1.73% | 1.60% | 1.83% | 0.67% | +2 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | -0.90% | -0.91% | -0.58% | -0.42% | 0.27% | 0.29% | +120 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.50% | 1.55% | 1.41% | 1.37% | 1.31% | 1.23% | -32 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.2x | 1.8x | 2.4x | 0.8x | 0.9x | 0.7x | 1.8x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.98% | 11.06% | 11.10% | 11.86% | 12.26% | 12.90% | 13.16% | 13.36% | +150 bps | |
| Total Risk-Based Capital | 14.28% | 15.00% | 14.81% | 15.44% | 15.54% | 15.42% | 15.93% | 16.25% | +82 bps | |
| Equity / Assets | 11.28% | 11.50% | 11.60% | 12.01% | 12.97% | 13.24% | 13.11% | 13.70% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.09% | 84.82% | 82.70% | 84.73% | 90.52% | 93.41% | 90.19% | 93.84% | +912 bps | |
| Liquid Assets / Assets | 7.26% | 12.42% | 13.24% | 10.76% | 5.83% | 3.89% | 7.07% | 4.70% | -606 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 460% | 474% | 469% | n/a | n/a | |
Scottsdale, AZ · Cert 29087 · Peer group: banks under $1B in assets (n=581-629) · Bancorp 34 Inc.
SL · OCC · 8 branches
Q2 2026
Return on Assets
0.91%
Rank 368 of 629
Net Interest Margin
3.77%
Rank 246 of 629
Efficiency Ratio
71.46%
Rank 373 of 629
Equity / Assets
13.70%
Rank 163 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 41% | 368 / 629 | ||
| Return on Equity | 6.63% | 5.38% | 9.30% | 13.28% | Beats 31% | 433 / 629 | ||
| Net Interest Margin | 3.77% | 3.03% | 3.54% | 4.05% | Beats 61% | 246 / 629 | ||
| Efficiency Ratio | 71.46% | 58.35% | 67.79% | 79.08% | Beats 41% | 373 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.46% | 1.20% | Beats 40% | 349 / 581 | ||
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 9% | 527 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.11% | 11.24% | 13.84% | 18.77% | Beats 61% | 248 / 629 | ||
| Total Risk-Based Capital Ratio | 16.25% | 11.58% | 14.43% | 19.66% | Beats 63% | 234 / 629 | ||
| Equity / Assets | 13.70% | 9.09% | 10.65% | 13.80% | Beats 74% | 163 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.84% | 67.24% | 80.90% | 93.48% | 76th pctl | 142 / 594 | ||
| Loans / Assets | 79.21% | 53.31% | 67.71% | 78.15% | 80th pctl | 128 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||