Icon Business Bank
Riverside, CA · Cert 59314 · Peer group: banks under $1B in assets (n=570-617) · Icon Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
$155.5MAssets
$122.7MLoans
$129.2MDeposits
$18.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets (rank 136 of 617).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets (rank 588 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.86%
Rank 586 of 617
Net Interest Margin
4.11%
Rank 136 of 617
Efficiency Ratio
118.37%
Rank 588 of 617
Equity / Assets
11.94%
Rank 222 of 617
Non-interest income vs. expense
Unfavorable gap of $7.7M · efficiency ratio beats 5% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.86% | 0.60% | 1.01% | 1.45% | Beats 5% | 586 / 617 | |
| Return on Equity | -7.23% | 5.30% | 9.43% | 13.30% | Beats 5% | 589 / 617 | |
| Net Interest Margin | 4.11% | 3.04% | 3.54% | 4.05% | Beats 78% | 136 / 617 | |
| Efficiency Ratio | 118.37% | 58.03% | 67.76% | 79.08% | Beats 5% | 588 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.47% | 1.27% | Beats 65% | 199 / 570 | |
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 9% | 518 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 11.18% | 13.83% | 18.55% | Beats 33% | 413 / 617 | |
| Total Risk-Based Capital Ratio | 11.94% | 11.56% | 14.39% | 19.39% | Beats 29% | 441 / 617 | |
| Equity / Assets | 11.94% | 9.03% | 10.55% | 13.63% | Beats 64% | 222 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 95.01% | 64.77% | 79.70% | 93.06% | 79th pctl | 122 / 582 | |
| Loans / Assets | 78.93% | 51.70% | 67.18% | 77.51% | 79th pctl | 130 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |