| 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% | 12.4% | -4.4 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% | 12.4% | 22th | |
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% | 61.2% | 84th |
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 |
|---|---|---|---|---|
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% |
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