| Metric | Bridge Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.1 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 8.4% | 11.9% | -3.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.1M | $116.7M | $97.8M | $22.4M | $919K | 1.26% | 4.91% | 0.02% |
| Q1 2026 | $148.5M | $124.5M | $98.3M | $21.9M | $480K | 1.30% | 4.86% | 0.02% |
| Q4 2025 | $148.0M | $124.4M | $96.5M | $21.5M | $880K | 0.66% | 2.50% | 0.02% |
| Q3 2025 | $144.1M | $123.1M | $94.7M | $20.1M | $-142K | -0.14% | 1.69% | 0.01% |
| Q2 2025 | $126.6M | $111.3M | $94.8M | $14.5M | $667K | 1.06% | 3.84% | 0.02% |
| Q1 2025 | $125.9M | $109.6M | $93.8M | $15.4M | $427K | 1.35% | 3.72% | 0.00% |
| Q4 2024 | $126.7M | $107.0M | $93.8M | $14.9M | $1.4M | 1.16% | 3.49% | 0.00% |
| Q3 2024 | $131.1M | $107.0M | $89.6M | $15.0M | $1.0M | 1.09% | 3.43% | 0.00% |
Loan mix (Q2 2026): real estate $65.6M · commercial $14.4M · consumer $4.0M · securities $6.8M
| Ratio | Bridge Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 62.9% | 8th |
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 | Bridge 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 | Bridge 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 | Bridge 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 | Bridge 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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