PackageTrendsPeer
Letter portraitLegal landscape

Savings Bank of Mendocino County

Ukiah, CA · Cert 8011

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Savings Bank of Mendocino County

Ukiah, CA · Cert 8011

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.3BAssets
$749.1MLoans
$1.0BDeposits
$185.2MEquity
Loan mix
88%RE $650.6M8%C&I $59.0M4%Consumer $32.8MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $682.4M34%Noninterest $355.0MQ2 2025Q2 2026

NIM

3.81%Q2 ’244.02%Q2 ’254.22%Q2 ’26+0%+16%

Non-interest income vs. expense

2.15%Q2 ’242.20%Q2 ’252.27%Q2 ’26-2%+8%

Executive Summary

  • Earnings: ROA of 1.14%, up 24 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.36% of loans (+34 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 17.93%, up 113 bps from a year ago.
  • Funding: loans stand at 72.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+47 bps YoY

Efficiency Ratio (YTD, annualized)

60.49%-517 bps YoY

Tier 1 Leverage Ratio

17.93%+113 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.91%0.96%1.08%1.14%+24 bps
Return on Equity7.43%7.36%7.65%7.90%8.15%+72 bps
Net Interest Margin2.96%3.02%3.06%3.37%3.43%+47 bps
Efficiency Ratio65.66%65.53%67.24%61.56%60.49%-517 bps
Non-Interest Burden1.81%1.85%1.95%1.95%1.95%+14 bps
Growth
Asset Growth (YoY)0.90%2.94%2.58%-1.45%-3.33%-423 bps
Loan Growth (YoY)4.95%4.80%1.69%0.97%-1.76%-671 bps
Deposit Growth (YoY)3.07%3.59%1.44%1.74%1.38%-169 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.04%0.36%0.36%+34 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.01%-1 bps
Allowance / Loans2.43%2.47%2.46%2.46%2.48%+4 bps
Allowance Coverage of NPLs123.8x125.5x59.2x6.8x6.9x-116.9x
Capital
Tier 1 Leverage Ratio16.80%16.72%16.78%17.43%17.93%+113 bps
Total Risk-Based Capital16.80%16.72%16.78%17.43%17.93%+113 bps
Equity / Assets12.20%12.99%13.58%13.83%14.42%+221 bps
Liquidity & Funding
Loans / Deposits74.52%71.83%73.18%72.32%72.21%-230 bps
Liquid Assets / Assets1.45%4.61%3.63%1.27%0.97%-47 bps
CRE / Total Capitaln/a238%238%237%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Savings Bank of Mendocino County

Ukiah, CA · Cert 8011 · Peer group: banks $1B-$10B in assets (n=322-328)

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.3BAssets
$749.1MLoans
$1.0BDeposits
$185.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 92% of banks $1B-$10B in assets (rank 27 of 328).
  • Widest gap: return on equity trails 80% of banks $1B-$10B in assets (rank 261 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.16%

Rank 188 of 328

Net Interest Margin

3.43%

Rank 169 of 328

Efficiency Ratio

60.49%

Rank 178 of 328

Equity / Assets

14.42%

Rank 27 of 328

Non-interest income vs. expense

$4.3M$30.3MINCOMEEXPENSE
Unfavorable gap of $26.0M · efficiency ratio beats 46% of banks $1B-$10B in assets
Bank 60.49%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.91%1.22%1.52%Beats 43%188 / 328
Return on Equity8.01%8.43%11.45%14.43%Beats 20%261 / 328
Net Interest Margin3.43%3.03%3.45%3.83%Beats 48%169 / 328
Efficiency Ratio60.49%51.61%59.56%67.53%Beats 46%178 / 328
Asset Quality
Nonperforming Loans / Loans0.36%0.24%0.51%1.03%Beats 64%117 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 86%47 / 322
Capital
Tier 1 Capital Ratio17.93%11.75%13.15%15.47%Beats 86%46 / 328
Total Risk-Based Capital Ratio17.93%12.63%14.15%16.46%Beats 84%54 / 328
Equity / Assets14.42%9.15%10.33%12.01%Beats 92%27 / 328
Liquidity & Funding
Loans / Deposits72.22%76.63%87.92%95.36%19th pctl261 / 323
Loans / Assets58.34%65.18%74.15%79.98%16th pctl277 / 328
Brokered Deposits / Depositsn/aNot reported for this institution