Scottsdale Community Bank
Scottsdale, AZ · Cert 59203 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$125.2MAssets
$101.9MLoans
$99.7MDeposits
$13.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets (rank 535 of 581).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.27%
Rank 554 of 629
Net Interest Margin
3.11%
Rank 448 of 629
Efficiency Ratio
91.17%
Rank 556 of 629
Equity / Assets
10.51%
Rank 332 of 629
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 12% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.60% | 1.01% | 1.45% | Beats 12% | 554 / 629 | | |
| Return on Equity | 2.52% | 5.38% | 9.30% | 13.28% | Beats 14% | 542 / 629 | | |
| Net Interest Margin | 3.11% | 3.03% | 3.54% | 4.05% | Beats 29% | 448 / 629 | | |
| Efficiency Ratio | 91.17% | 58.35% | 67.79% | 79.08% | Beats 12% | 556 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.68% | 0.09% | 0.46% | 1.20% | Beats 8% | 535 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 11.24% | 13.84% | 18.77% | Beats 27% | 461 / 629 | | |
| Total Risk-Based Capital Ratio | 11.37% | 11.58% | 14.43% | 19.66% | Beats 23% | 487 / 629 | | |
| Equity / Assets | 10.51% | 9.09% | 10.65% | 13.80% | Beats 47% | 332 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.20% | 67.24% | 80.90% | 93.48% | 89th pctl | 67 / 594 | | |
| Loans / Assets | 81.38% | 53.31% | 67.71% | 78.15% | 84th pctl | 98 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |