| Metric | CLB The Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +4.4% | +7.6 pts |
| Deposit growth (YoY) | +12.2% | +4.0% | +8.2 pts |
| Loan growth (YoY) | -9.5% | +5.6% | -15.1 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $350.9M | $313.1M | $206.4M | $36.8M | $2.7M | 1.60% | 4.22% | 1.69% |
| Q1 2026 | $343.9M | $307.3M | $205.5M | $35.7M | $1.2M | 1.43% | 4.18% | 1.60% |
| Q4 2025 | $328.1M | $292.1M | $211.5M | $35.0M | $5.9M | 1.86% | 4.67% | 1.83% |
| Q3 2025 | $322.4M | $286.0M | $223.3M | $35.3M | $4.8M | 2.01% | 4.71% | 1.67% |
| Q2 2025 | $313.4M | $279.1M | $228.0M | $33.3M | $3.0M | 1.88% | 4.65% | 1.50% |
| Q1 2025 | $315.1M | $282.0M | $221.5M | $32.2M | $1.5M | 1.86% | 4.47% | 1.87% |
| Q4 2024 | $317.8M | $286.2M | $231.5M | $30.6M | $6.0M | 1.96% | 4.68% | 1.44% |
| Q3 2024 | $315.1M | $281.8M | $234.4M | $32.1M | $5.0M | 2.20% | 4.66% | 0.70% |
Loan mix (Q2 2026): real estate $144.9M · commercial $26.0M · consumer $14.2M · securities $82.4M
| Ratio | CLB The Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
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 | CLB The 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 | CLB The 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 | CLB The 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 | CLB The 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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