| Metric | BLC Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.4% | +5.2 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.3 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 18.9% | 11.9% | +7.0 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 | $475.5M | $378.4M | $386.1M | $44.1M | $4.0M | 1.70% | 3.25% | 0.02% |
| Q1 2026 | $475.4M | $387.2M | $388.5M | $42.6M | $2.0M | 1.65% | 3.14% | 0.31% |
| Q4 2025 | $470.6M | $386.1M | $379.8M | $41.6M | $5.5M | 1.24% | 2.85% | 0.28% |
| Q3 2025 | $464.6M | $377.4M | $357.6M | $40.4M | $4.0M | 1.23% | 2.83% | 0.30% |
| Q2 2025 | $434.0M | $352.8M | $351.3M | $38.6M | $2.5M | 1.17% | 2.71% | 0.33% |
| Q1 2025 | $425.6M | $357.1M | $339.4M | $37.2M | $1.2M | 1.16% | 2.67% | 0.28% |
| Q4 2024 | $416.2M | $355.3M | $336.3M | $35.3M | $3.7M | 0.89% | 2.36% | 0.09% |
| Q3 2024 | $427.1M | $352.0M | $329.4M | $36.8M | $2.6M | 0.85% | 2.28% | 0.03% |
Loan mix (Q2 2026): real estate $330.0M · commercial $58.4M · consumer $1.6M · securities $57.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BLC Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 62.9% | 11th |
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 | BLC 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 | BLC 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 | BLC 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 | BLC 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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