| Metric | BAC Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +4.9% | -8.3 pts |
| Deposit growth (YoY) | -2.9% | +4.3% | -7.2 pts |
| Loan growth (YoY) | -0.7% | +5.3% | -6.0 pts |
| ROA | 0.77% | 1.28% | -0.5 pts |
| ROE | 8.0% | 12.5% | -4.5 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $761.9M | $673.0M | $451.8M | $75.4M | $3.0M | 0.77% | 3.55% | 0.11% |
| Q1 2026 | $780.1M | $684.8M | $469.7M | $75.7M | $1.4M | 0.70% | 3.40% | 0.25% |
| Q4 2025 | $786.3M | $670.9M | $475.4M | $73.8M | $5.5M | 0.70% | 3.24% | 0.01% |
| Q3 2025 | $787.5M | $690.0M | $462.1M | $72.5M | $4.3M | 0.73% | 3.23% | 0.00% |
| Q2 2025 | $788.4M | $693.0M | $454.8M | $70.4M | $2.8M | 0.71% | 3.20% | 0.00% |
| Q1 2025 | $791.4M | $704.2M | $444.4M | $68.3M | $1.3M | 0.65% | 3.11% | 0.00% |
| Q4 2024 | $783.1M | $697.8M | $446.0M | $66.1M | $3.3M | 0.41% | 2.93% | 0.00% |
| Q3 2024 | $822.9M | $707.7M | $441.5M | $64.7M | $2.2M | 0.37% | 2.89% | 0.00% |
Loan mix (Q2 2026): real estate $417.3M · commercial $29.3M · consumer $6.2M · securities $236.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BAC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.5% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 61.1% | 83rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | BAC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | BAC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | BAC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | BAC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | BAC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 3 counties across 1 state (+0 vs 2025) · $673.0M branch deposits. Biggest market: San Joaquin, CA, ranked 12th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Joaquin, CA | 3 | $434.0M | 2.40% | 12th |
| Contra Costa, CA | 4 | $198.9M | 0.35% | 27th |
| Stanislaus, CA | 1 | $40.1M | 0.30% | 22nd |
California: 177th with 0.03% · Stockton-Lodi metro: 12th, 2.40% · San Francisco-Oakland-Fremont metro: 68th, 0.04% ·
Branch count: 2022 10 · 2023 8 · 2024 8 · 2025 8 · 2026 8
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).