| Metric | Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 0.82% | 1.24% | -0.4 pts |
| ROE | 11.0% | 11.9% | -0.9 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382.2M | $354.2M | $172.7M | $25.9M | $1.6M | 0.82% | 3.49% | 0.33% |
| Q1 2026 | $383.7M | $353.3M | $174.2M | $28.2M | $893K | 0.94% | 3.32% | 0.33% |
| Q4 2025 | $377.2M | $343.7M | $170.4M | $31.5M | $7.3M | 2.00% | 3.33% | 0.37% |
| Q3 2025 | $361.8M | $331.3M | $170.7M | $28.8M | $5.3M | 1.93% | 3.32% | 0.43% |
| Q2 2025 | $366.2M | $339.4M | $168.4M | $24.7M | $3.2M | 1.73% | 3.29% | 0.48% |
| Q1 2025 | $371.4M | $344.8M | $167.8M | $24.9M | $1.8M | 1.97% | 3.26% | 0.87% |
| Q4 2024 | $359.6M | $333.8M | $167.4M | $24.2M | $4.0M | 1.13% | 3.00% | 0.92% |
| Q3 2024 | $353.5M | $313.7M | $174.7M | $27.9M | $3.1M | 1.18% | 2.98% | 1.03% |
Loan mix (Q2 2026): real estate $95.8M · commercial $32.7M · consumer $21.2M · securities $183.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 62.9% | 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 | Commercial 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 | Commercial 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 | Commercial 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 | Commercial 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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