Icon Business Bank
Riverside, CA · Cert 59314 · Peer group: banks under $1B in assets (n=581-629) · 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 141 of 629).
- Widest gap: return on equity trails 96% of banks under $1B in assets (rank 601 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.86%
Rank 597 of 629
Net Interest Margin
4.11%
Rank 141 of 629
Efficiency Ratio
118.37%
Rank 598 of 629
Equity / Assets
11.94%
Rank 230 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.86% | 0.60% | 1.01% | 1.45% | Beats 5% | 597 / 629 | | |
| Return on Equity | -7.23% | 5.38% | 9.30% | 13.28% | Beats 4% | 601 / 629 | | |
| Net Interest Margin | 4.11% | 3.03% | 3.54% | 4.05% | Beats 78% | 141 / 629 | | |
| Efficiency Ratio | 118.37% | 58.35% | 67.79% | 79.08% | Beats 5% | 598 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 64% | 209 / 581 | | |
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 10% | 526 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 11.24% | 13.84% | 18.77% | Beats 33% | 423 / 629 | | |
| Total Risk-Based Capital Ratio | 11.94% | 11.58% | 14.43% | 19.66% | Beats 28% | 452 / 629 | | |
| Equity / Assets | 11.94% | 9.09% | 10.65% | 13.80% | Beats 63% | 230 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.01% | 67.24% | 80.90% | 93.48% | 78th pctl | 129 / 594 | | |
| Loans / Assets | 78.93% | 53.31% | 67.71% | 78.15% | 78th pctl | 140 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |