Bethesda, MD · Cert 32363 · Cleveland Family Generational Tr I
State savings bank · OCC · 11 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
23
Profitability
14
Liquidity
86
Efficiency
3
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.
Bethesda, MD · Cert 32363 · Cleveland Family Generational Tr I
State savings bank · OCC · 11 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #28 of 71 inst. · $0.9B of $301.4B
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 | 0.07% | 0.15% | 0.29% | 0.62% | 0.46% | 0.44% | 0.13% | 0.49% | -14 bps | |
| Return on Equity | 0.86% | 1.76% | 3.24% | 7.00% | 5.20% | 5.03% | 1.53% | 5.49% | -151 bps | |
| Net Interest Margin | 2.93% | 3.01% | 3.11% | 3.07% | 2.95% | 2.90% | 3.14% | 3.33% | +26 bps | |
| Efficiency Ratio | 91.57% | 91.95% | 88.82% | 84.66% | 87.23% | 87.84% | 90.86% | 87.91% | +325 bps | |
| Non-Interest Burden | 2.47% | 2.57% | 2.43% | 2.08% | 2.19% | 2.19% | 2.58% | 2.50% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.43% | 4.53% | -0.69% | 3.03% | 2.21% | 8.51% | 6.89% | -0.63% | -367 bps | |
| Loan Growth (YoY) | 13.52% | 0.77% | -2.44% | 2.63% | 0.69% | 2.17% | 3.17% | -6.64% | -927 bps | |
| Deposit Growth (YoY) | 12.86% | 8.30% | 15.13% | 29.83% | 21.61% | 18.34% | 7.09% | -0.56% | -3,038 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.95% | 1.22% | 1.11% | 1.12% | 1.54% | 1.60% | 1.64% | +52 bps | |
| Net Charge-Offs / Loans | 0.59% | 0.53% | 0.23% | 0.22% | 0.24% | 0.22% | 0.13% | 0.09% | -13 bps | |
| Allowance / Loans | 0.97% | 0.96% | 1.00% | 0.88% | 0.90% | 0.91% | 0.99% | 0.97% | +9 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 0.8x | 0.8x | 0.8x | 0.6x | 0.6x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 9.38% | 9.58% | 9.47% | 9.04% | 8.88% | 9.12% | 9.63% | +17 bps | |
| Total Risk-Based Capital | 13.14% | 13.66% | 13.77% | 13.47% | 13.79% | 14.15% | 14.12% | 14.75% | +127 bps | |
| Equity / Assets | 8.46% | 8.82% | 9.13% | 8.80% | 8.70% | 8.61% | 8.91% | 9.20% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.15% | 96.35% | 90.81% | 93.01% | 86.24% | 83.18% | 87.48% | 87.32% | -569 bps | |
| Liquid Assets / Assets | 12.91% | 12.05% | 10.36% | 9.18% | 15.20% | 18.01% | 14.49% | 14.97% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 396% | 382% | 377% | n/a | n/a | |
Bethesda, MD · Cert 32363 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Cleveland Family Generational Tr I
State savings bank · OCC · 11 branches
Q2 2026
Return on Assets
0.50%
Rank 165 of 176
Net Interest Margin
3.33%
Rank 125 of 176
Efficiency Ratio
87.91%
Rank 172 of 176
Equity / Assets
9.20%
Rank 130 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.93% | 1.26% | 1.54% | Beats 6% | 165 / 176 | ||
| Return on Equity | 5.41% | 9.26% | 11.89% | 14.46% | Beats 7% | 163 / 176 | ||
| Net Interest Margin | 3.33% | 3.25% | 3.59% | 3.93% | Beats 29% | 125 / 176 | ||
| Efficiency Ratio | 87.91% | 52.79% | 59.55% | 67.66% | Beats 3% | 172 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | 0.30% | 0.64% | 1.32% | Beats 14% | 153 / 176 | ||
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 32% | 120 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.50% | 11.15% | 12.72% | 14.15% | Beats 65% | 61 / 176 | ||
| Total Risk-Based Capital Ratio | 14.75% | 11.81% | 13.63% | 15.33% | Beats 68% | 56 / 176 | ||
| Equity / Assets | 9.20% | 9.16% | 10.35% | 11.80% | Beats 26% | 130 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.32% | 80.94% | 89.73% | 97.21% | 41st pctl | 103 / 176 | ||
| Loans / Assets | 77.41% | 69.25% | 75.12% | 80.82% | 60th pctl | 71 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||