PackageTrendsPeer
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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

$154.4M$98.8MINCOMEEXPENSE
Favorable gap of $55.6M · efficiency ratio beats 96% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets6.14%0.93%1.26%1.54%Beats 99%1 / 176n/a
Return on Equity62.16%9.26%11.89%14.46%Beats 99%1 / 176n/a
Net Interest Margin4.57%3.25%3.59%3.93%Beats 93%12 / 176n/a
Efficiency Ratio38.91%52.79%59.55%67.66%Beats 96%8 / 176n/a
Asset Quality
Nonperforming Loans / Loans0.06%0.30%0.64%1.32%Beats 96%8 / 176n/a
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176n/a
Capital
Tier 1 Capital Ratio25.03%11.15%12.72%14.15%Beats 98%3 / 176n/a
Total Risk-Based Capital Ratio25.37%11.81%13.63%15.33%Beats 98%3 / 176n/a
Equity / Assets9.88%9.16%10.35%11.80%Beats 40%106 / 176n/a
Liquidity & Funding
Loans / Deposits23.45%80.94%89.73%97.21%0th pctl176 / 176n/a
Loans / Assets20.27%69.25%75.12%80.82%0th pctl176 / 176n/a
Brokered Deposits / Depositsn/aNot reported for this institution