| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +5.5% | +3.9 pts |
| Deposit growth (YoY) | +9.3% | +5.1% | +4.2 pts |
| Loan growth (YoY) | +7.4% | +5.9% | +1.5 pts |
| ROA | 1.63% | 1.26% | +0.4 pts |
| ROE | 17.4% | 12.2% | +5.3 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.41B | $1.28B | $1.13B | $133.5M | $11.3M | 1.63% | 4.74% | 0.16% |
| Q1 2026 | $1.40B | $1.26B | $1.14B | $129.5M | $5.3M | 1.52% | 4.69% | 0.19% |
| Q4 2025 | $1.37B | $1.23B | $1.12B | $126.7M | $20.0M | 1.54% | 4.66% | 0.16% |
| Q3 2025 | $1.32B | $1.19B | $1.08B | $123.2M | $14.7M | 1.54% | 4.64% | 0.16% |
| Q2 2025 | $1.29B | $1.17B | $1.06B | $116.9M | $9.4M | 1.49% | 4.61% | 0.29% |
| Q1 2025 | $1.28B | $1.15B | $1.01B | $115.1M | $4.6M | 1.48% | 4.54% | 0.13% |
| Q4 2024 | $1.22B | $1.11B | $989.1M | $110.0M | $16.0M | 1.34% | 4.37% | 0.31% |
| Q3 2024 | $1.21B | $1.09B | $972.0M | $109.8M | $11.6M | 1.30% | 4.30% | 0.32% |
Loan mix (Q2 2026): real estate $1.06B · commercial $54.5M · consumer $13.8M · securities $92.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Benchmark Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 59.0% | 52th |
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 | Benchmark 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 | Benchmark 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 | Benchmark 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 | Benchmark 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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