Community Bank of the Bay
Oakland, CA · Cert 34210 · Peer group: banks $1B-$10B in assets operating in a single state (n=281-282)
FDIC · 4 branches
Q3 2024
$1.0BAssets
$706.9MLoans
$704.1MDeposits
$196.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 4 of 282).
- Widest gap: return on equity trails 86% of banks $1B-$10B in assets operating in a single state (rank 241 of 281).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
0.82%
Rank 155 of 282
Net Interest Margin
3.58%
Rank 54 of 282
Efficiency Ratio
65.87%
Rank 135 of 282
Equity / Assets
19.51%
Rank 4 of 282
Non-interest income vs. expense
Unfavorable gap of $23.1M · efficiency ratio beats 52% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.53% | 0.88% | 1.23% | Beats 45% | 155 / 282 | | |
| Return on Equity | 4.22% | 5.95% | 8.98% | 12.11% | Beats 14% | 241 / 281 | | |
| Net Interest Margin | 3.58% | 2.48% | 2.88% | 3.44% | Beats 81% | 54 / 282 | | |
| Efficiency Ratio | 65.87% | 57.32% | 67.09% | 76.33% | Beats 52% | 135 / 282 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.13% | 0.34% | 0.82% | Beats 80% | 57 / 282 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 117 / 282 | | |
| Capital |
| Tier 1 Capital Ratio | 24.54% | 11.48% | 13.06% | 14.94% | Beats 96% | 11 / 282 | | |
| Total Risk-Based Capital Ratio | 25.48% | 12.24% | 13.97% | 15.89% | Beats 96% | 10 / 282 | | |
| Equity / Assets | 19.51% | 8.47% | 9.60% | 11.29% | Beats 99% | 4 / 282 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.41% | 71.71% | 84.91% | 96.69% | 82nd pctl | 52 / 282 | | |
| Loans / Assets | 70.10% | 62.45% | 70.53% | 79.09% | 49th pctl | 145 / 282 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |