| Metric | Commencement Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.9% | +3.6 pts |
| Deposit growth (YoY) | +10.0% | +4.3% | +5.7 pts |
| Loan growth (YoY) | +8.7% | +5.3% | +3.4 pts |
| ROA | 0.99% | 1.28% | -0.3 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $739.6M | $660.2M | $550.0M | $67.1M | $3.5M | 0.99% | 4.28% | 0.07% |
| Q1 2026 | $697.3M | $623.5M | $533.4M | $61.3M | $1.7M | 0.96% | 4.28% | 0.07% |
| Q4 2025 | $683.1M | $610.4M | $518.1M | $60.0M | $6.7M | 1.01% | 4.16% | 0.19% |
| Q3 2025 | $676.1M | $606.1M | $506.0M | $57.5M | $4.7M | 0.94% | 4.07% | 0.00% |
| Q2 2025 | $681.5M | $599.9M | $505.8M | $54.3M | $2.8M | 0.85% | 3.90% | 0.00% |
| Q1 2025 | $643.8M | $579.6M | $468.3M | $53.2M | $1.3M | 0.82% | 3.84% | 0.02% |
| Q4 2024 | $649.6M | $592.1M | $461.7M | $51.1M | $3.0M | 0.49% | 3.44% | 0.00% |
| Q3 2024 | $627.0M | $568.4M | $460.3M | $52.2M | $2.5M | 0.55% | 3.32% | 0.00% |
Loan mix (Q2 2026): real estate $405.4M · commercial $125.5M · consumer $4.1M · securities $74.0M
| Ratio | Commencement Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 61.2% | 70th |
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 | Commencement 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 | Commencement 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 | Commencement 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 | Commencement 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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