Scottsdale, AZ · Cert 59273
State charter, non-member · FDIC · 1 branch
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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
44
Profitability
35
Liquidity
0
Efficiency
9
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.
Scottsdale, AZ · Cert 59273
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.0% share · #46 of 55 inst. · $0.1B of $192.0B
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 | -5.36% | -6.04% | -3.52% | -2.71% | -2.26% | -2.06% | -0.62% | -0.07% | +264 bps | |
| Return on Equity | -21.36% | -25.89% | -21.18% | -18.11% | -16.69% | -17.37% | -8.06% | -0.74% | +1,738 bps | |
| Net Interest Margin | 4.26% | 3.91% | 4.48% | 3.98% | 3.74% | 3.33% | 4.51% | 4.46% | +48 bps | |
| Efficiency Ratio | 219% | 222% | 178.11% | 156.86% | 147.58% | 137.06% | 106.91% | 95.06% | -6,180 bps | |
| Non-Interest Burden | 9.66% | 8.95% | 8.04% | 6.39% | 5.60% | 4.64% | 4.82% | 4.21% | -218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.19% | 30.84% | 17.23% | 66.92% | 85.15% | 99.20% | 87.38% | 56.13% | -1,079 bps | |
| Loan Growth (YoY) | 53.12% | 84.53% | 84.90% | 76.96% | 95.13% | 94.51% | 79.03% | 58.79% | -1,817 bps | |
| Deposit Growth (YoY) | 87.16% | 39.90% | 12.33% | 102.12% | 122.00% | 152.67% | 141.18% | 52.93% | -4,919 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.43% | 0.38% | 0.30% | 0.07% | 0.07% | -36 bps | |
| Net Charge-Offs / Loans | 1.05% | 0.61% | 0.00% | 0.00% | 0.00% | 0.00% | 0.83% | 0.40% | +40 bps | |
| Allowance / Loans | 1.69% | 1.85% | 1.61% | 1.38% | 1.22% | 1.31% | 1.12% | 1.16% | -21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.2x | 3.2x | 4.4x | 15.7x | 16.9x | +13.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.09% | 19.28% | 16.42% | 12.84% | 10.68% | 8.37% | 7.81% | 12.89% | +5 bps | |
| Total Risk-Based Capital | 24.09% | 19.28% | 16.42% | 14.41% | 10.68% | 10.58% | 10.12% | 15.92% | +151 bps | |
| Equity / Assets | 23.03% | 17.48% | 15.84% | 12.37% | 10.43% | 7.70% | 7.69% | 12.61% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.49% | 120.63% | 132.74% | 103.31% | 98.00% | 92.87% | 98.53% | 107.27% | +396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 526% | 557% | n/a | n/a | |
Scottsdale, AZ · Cert 59273 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-0.07%
Rank 580 of 629
Net Interest Margin
4.46%
Rank 71 of 629
Efficiency Ratio
95.06%
Rank 572 of 629
Equity / Assets
12.61%
Rank 200 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.07% | 0.60% | 1.01% | 1.45% | Beats 8% | 580 / 629 | ||
| Return on Equity | -0.54% | 5.38% | 9.30% | 13.28% | Beats 8% | 581 / 629 | ||
| Net Interest Margin | 4.46% | 3.03% | 3.54% | 4.05% | Beats 89% | 71 / 629 | ||
| Efficiency Ratio | 95.06% | 58.35% | 67.79% | 79.08% | Beats 9% | 572 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.09% | 0.46% | 1.20% | Beats 78% | 131 / 581 | ||
| Net Charge-Offs / Loans | 0.20% | n/a | 0.01% | 0.06% | Beats 9% | 531 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.67% | 11.24% | 13.84% | 18.77% | Beats 57% | 271 / 629 | ||
| Total Risk-Based Capital Ratio | 15.92% | 11.58% | 14.43% | 19.66% | Beats 61% | 248 / 629 | ||
| Equity / Assets | 12.61% | 9.09% | 10.65% | 13.80% | Beats 68% | 200 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.27% | 67.24% | 80.90% | 93.48% | 93rd pctl | 41 / 594 | ||
| Loans / Assets | 90.28% | 53.31% | 67.71% | 78.15% | 99th pctl | 6 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||