| Metric | Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +10.3% | +5.6% | +4.8 pts |
| ROA | 0.46% | 1.24% | -0.8 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $282.9M | $246.5M | $195.9M | $15.4M | $649K | 0.46% | 3.52% | 0.70% |
| Q1 2026 | $277.5M | $243.6M | $188.3M | $15.2M | $271K | 0.39% | 3.39% | 0.69% |
| Q4 2025 | $278.1M | $242.8M | $185.6M | $15.1M | $1.0M | 0.37% | 3.39% | 0.66% |
| Q3 2025 | $275.2M | $245.5M | $179.3M | $14.4M | $709K | 0.34% | 3.32% | 0.45% |
| Q2 2025 | $285.4M | $250.2M | $177.5M | $13.3M | $390K | 0.28% | 3.22% | 0.47% |
| Q1 2025 | $280.7M | $252.2M | $177.2M | $12.3M | $170K | 0.25% | 3.14% | 0.32% |
| Q4 2024 | $270.4M | $242.4M | $167.6M | $10.9M | $722K | 0.26% | 2.85% | 0.26% |
| Q3 2024 | $281.7M | $254.8M | $169.3M | $13.3M | $478K | 0.22% | 2.71% | 0.30% |
Loan mix (Q2 2026): real estate $151.2M · commercial $38.6M · consumer $4.5M · securities $65.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 62.9% | 86th |
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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