2.24%
−10.9%y/y
Peer standing91st percentile
FDIC
NETINC + ROAHB
HCN Bank
Riverside, CaliforniaFDIC Cert #21606
STATEEstablished 19747 branches
Holding company: HEMET BCORPRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
19.22%
−16.3%y/y
Peer standing85th percentile
FDIC
NETINC + ROE2.30%
−9.9%y/y
Peer standing87th percentile
FDIC
PTAXNETINC + ASSET4.11%
+2.4%y/y
Peer standing62nd percentile
FDIC
NIM + NIMY5.33%
+4.4%y/y
Peer standing33rd percentile
FDIC
INTINCY2.04%
+8.7%y/y
Peer standing72nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
44.79%
+9.6%y/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR1.96%
+11.8%y/y
Peer standing84th percentile
FDIC
NONIX + ASSET9.76%
−2.1%y/y
Percentile by value44th percentileby value
FDIC
NONII + NIM−2.34%
−162.7%y/y
Percentile by value8th percentileby value
FDIC
ASSET−3.26%
−210.2%y/y
Percentile by value8th percentileby value
FDIC
DEP+10.14%
+721.3%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.24%91st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE19.22%85th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY4.11%62nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.79%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP−3.26%8th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET+10.14%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%7th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ11.63%68th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.04%72nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC550%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.24%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.01%Median 1.14%90th 1.92%Observations 109
ROE
FDIC
NETINC + ROE19.22%95th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.08%Median 8.62%90th 15.99%Observations 109
NIM
FDIC
NIM + NIMY4.11%69th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.81%90th 4.98%Observations 109
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.79%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.54%Median 60.62%90th 93.55%Observations 109
Deposits YoY
FDIC
DEP−3.26%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.16%Median +5.34%90th +22.92%Observations 109
Loans YoY
FDIC
LNLSNET+10.14%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.56%Median +7.75%90th +21.58%Observations 107
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%14th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.34%Observations 108
Leverage
FDIC
RBC1AAJ11.63%45th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.46%Median 11.72%90th 18.85%Observations 109
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.04%79th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.85%90th 3.93%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC550%99th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 105%Median 256%90th 386%Observations 73
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.