| Metric | Beacon Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.9% | +7.0 pts |
| Deposit growth (YoY) | +17.3% | +4.3% | +13.0 pts |
| Loan growth (YoY) | +9.1% | +5.3% | +3.8 pts |
| ROA | 0.47% | 1.28% | -0.8 pts |
| ROE | 5.9% | 12.4% | -6.5 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $982.3M | $793.4M | $860.4M | $78.4M | $2.3M | 0.47% | 2.60% | 0.02% |
| Q1 2026 | $971.7M | $762.9M | $847.8M | $77.3M | $1.3M | 0.52% | 2.52% | 0.01% |
| Q4 2025 | $964.0M | $747.8M | $839.2M | $76.1M | $3.4M | 0.38% | 2.58% | 0.01% |
| Q3 2025 | $957.5M | $766.6M | $832.4M | $75.7M | $3.1M | 0.48% | 2.55% | 0.01% |
| Q2 2025 | $878.0M | $676.4M | $788.5M | $63.9M | $1.7M | 0.41% | 2.54% | 0.03% |
| Q1 2025 | $836.8M | $672.8M | $745.7M | $60.8M | $806K | 0.40% | 2.44% | 0.04% |
| Q4 2024 | $781.7M | $609.1M | $686.4M | $55.0M | $1.9M | 0.26% | 2.37% | 0.00% |
| Q3 2024 | $737.3M | $588.0M | $642.9M | $52.6M | $1.1M | 0.21% | 2.37% | 0.00% |
Loan mix (Q2 2026): real estate $757.8M · commercial $47.6M · consumer $63.6M · securities $26.1M
| Ratio | Beacon Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 1.28% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 61.2% | 79th |
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 | Beacon 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 | Beacon 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 | Beacon 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 | Beacon 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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