Walnut Creek, CA · Cert 57716 · Baycom Corp.
State charter, Fed member · FED · 34 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 (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
38
Profitability
28
Liquidity
44
Efficiency
4
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.
Walnut Creek, CA · Cert 57716 · Baycom Corp.
State charter, Fed member · FED · 34 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #32 of 69 inst. · $0.7B of $513.2B
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 | 0.96% | 1.02% | 1.01% | 1.05% | 1.00% | 1.04% | 1.29% | 0.12% | -93 bps | |
| Return on Equity | 6.72% | 7.17% | 6.99% | 7.18% | 7.13% | 7.54% | 10.12% | 0.93% | -625 bps | |
| Net Interest Margin | 3.71% | 3.70% | 3.78% | 3.75% | 3.71% | 3.83% | 3.95% | 3.93% | +18 bps | |
| Efficiency Ratio | 62.76% | 62.20% | 61.49% | 60.92% | 60.09% | 59.99% | 60.62% | 82.84% | +2,192 bps | |
| Non-Interest Burden | 2.24% | 2.22% | 2.22% | 2.18% | 2.13% | 2.19% | 2.28% | 3.18% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | 4.35% | 0.15% | 1.13% | 1.68% | -2.62% | 3.34% | -1.58% | -271 bps | |
| Loan Growth (YoY) | -2.83% | 1.42% | 4.16% | 7.30% | 6.71% | 5.76% | 2.26% | 3.75% | -355 bps | |
| Deposit Growth (YoY) | -0.64% | 4.54% | -0.61% | 0.57% | 4.27% | -0.98% | 6.18% | -0.66% | -123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.48% | 0.51% | 0.81% | 0.68% | 0.65% | 0.83% | 0.47% | -35 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.26% | 0.02% | 0.01% | 0.06% | 0.05% | 0.00% | 0.28% | +26 bps | |
| Allowance / Loans | 0.96% | 0.92% | 0.94% | 0.93% | 1.02% | 1.03% | 1.02% | 1.11% | +17 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 1.9x | 1.1x | 1.5x | 1.6x | 1.2x | 2.4x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.23% | 13.42% | 13.92% | 14.03% | 10.88% | 11.45% | 11.70% | 11.66% | -237 bps | |
| Total Risk-Based Capital | 17.76% | 17.86% | 18.17% | 18.28% | 14.56% | 14.87% | 15.55% | 14.87% | -342 bps | |
| Equity / Assets | 14.39% | 14.07% | 14.96% | 14.93% | 12.28% | 12.67% | 12.74% | 12.72% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.15% | 87.16% | 92.13% | 91.44% | 91.24% | 93.09% | 88.72% | 95.50% | +406 bps | |
| Liquid Assets / Assets | 10.84% | 12.87% | 9.23% | 10.35% | 7.98% | 6.97% | 10.92% | 6.06% | -429 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 614% | 607% | 575% | n/a | n/a | |
Walnut Creek, CA · Cert 57716 · Peer group: banks $1B-$10B in assets (n=322-328) · Baycom Corp.
State charter, Fed member · FED · 34 branches
Q2 2026
Return on Assets
0.12%
Rank 321 of 328
Net Interest Margin
3.93%
Rank 66 of 328
Efficiency Ratio
83.28%
Rank 317 of 328
Equity / Assets
12.72%
Rank 61 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | 0.91% | 1.22% | 1.52% | Beats 2% | 321 / 328 | ||
| Return on Equity | 0.94% | 8.43% | 11.45% | 14.43% | Beats 2% | 321 / 328 | ||
| Net Interest Margin | 3.93% | 3.03% | 3.45% | 3.83% | Beats 80% | 66 / 328 | ||
| Efficiency Ratio | 83.28% | 51.61% | 59.56% | 67.53% | Beats 4% | 317 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.51% | 1.03% | Beats 55% | 147 / 322 | ||
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.03% | 0.10% | Beats 21% | 256 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.76% | 11.75% | 13.15% | 15.47% | Beats 59% | 133 / 328 | ||
| Total Risk-Based Capital Ratio | 14.87% | 12.63% | 14.15% | 16.46% | Beats 60% | 131 / 328 | ||
| Equity / Assets | 12.72% | 9.15% | 10.33% | 12.01% | Beats 81% | 61 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.50% | 76.63% | 87.92% | 95.36% | 76th pctl | 79 / 323 | ||
| Loans / Assets | 80.92% | 65.18% | 74.15% | 79.98% | 78th pctl | 72 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||