Column National Association
Chico, CA · Cert 58224 · Peer group: banks $1B-$10B in assets operating regionally (n=176)
National charter · OCC · 2 branches
Q2 2026
$1.8BAssets
$358.6MLoans
$1.5BDeposits
$174.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: equity / assets trails 60% of banks $1B-$10B in assets operating regionally (rank 106 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
6.14%
Rank 1 of 176
Net Interest Margin
4.57%
Rank 12 of 176
Efficiency Ratio
38.91%
Rank 8 of 176
Equity / Assets
9.88%
Rank 106 of 176
Non-interest income vs. expense
Favorable gap of $55.6M · efficiency ratio beats 96% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 6.14% | 0.93% | 1.26% | 1.54% | Beats 99% | 1 / 176 | |
| Return on Equity | 62.16% | 9.26% | 11.89% | 14.46% | Beats 99% | 1 / 176 | |
| Net Interest Margin | 4.57% | 3.25% | 3.59% | 3.93% | Beats 93% | 12 / 176 | |
| Efficiency Ratio | 38.91% | 52.79% | 59.55% | 67.66% | Beats 96% | 8 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.30% | 0.64% | 1.32% | Beats 96% | 8 / 176 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 25.03% | 11.15% | 12.72% | 14.15% | Beats 98% | 3 / 176 | |
| Total Risk-Based Capital Ratio | 25.37% | 11.81% | 13.63% | 15.33% | Beats 98% | 3 / 176 | |
| Equity / Assets | 9.88% | 9.16% | 10.35% | 11.80% | Beats 40% | 106 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 23.45% | 80.94% | 89.73% | 97.21% | 0th pctl | 176 / 176 | |
| Loans / Assets | 20.27% | 69.25% | 75.12% | 80.82% | 0th pctl | 176 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |