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
Unfavorable gap of $26.0M · efficiency ratio beats 46% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.91% | 1.22% | 1.52% | Beats 43% | 188 / 328 | |
| Return on Equity | 8.01% | 8.43% | 11.45% | 14.43% | Beats 20% | 261 / 328 | |
| Net Interest Margin | 3.43% | 3.03% | 3.45% | 3.83% | Beats 48% | 169 / 328 | |
| Efficiency Ratio | 60.49% | 51.61% | 59.56% | 67.53% | Beats 46% | 178 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.24% | 0.51% | 1.03% | Beats 64% | 117 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 86% | 47 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 17.93% | 11.75% | 13.15% | 15.47% | Beats 86% | 46 / 328 | |
| Total Risk-Based Capital Ratio | 17.93% | 12.63% | 14.15% | 16.46% | Beats 84% | 54 / 328 | |
| Equity / Assets | 14.42% | 9.15% | 10.33% | 12.01% | Beats 92% | 27 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 72.22% | 76.63% | 87.92% | 95.36% | 19th pctl | 261 / 323 | |
| Loans / Assets | 58.34% | 65.18% | 74.15% | 79.98% | 16th pctl | 277 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |