| Metric | Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.3 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 13.5% | 11.9% | +1.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $216.1M | $181.4M | $148.5M | $21.1M | $1.4M | 1.29% | 3.98% | 0.79% |
| Q1 2026 | $215.8M | $182.0M | $152.4M | $20.7M | $701K | 1.30% | 3.90% | 0.76% |
| Q4 2025 | $217.2M | $180.0M | $151.2M | $20.2M | $2.6M | 1.21% | 3.81% | 0.56% |
| Q3 2025 | $213.8M | $175.9M | $150.7M | $20.6M | $1.9M | 1.18% | 3.77% | 0.53% |
| Q2 2025 | $214.0M | $178.4M | $139.8M | $19.6M | $1.1M | 1.09% | 3.68% | 0.79% |
| Q1 2025 | $209.3M | $171.9M | $135.9M | $19.1M | $545K | 1.05% | 3.55% | 0.97% |
| Q4 2024 | $206.8M | $170.7M | $133.9M | $18.1M | $1.7M | 0.82% | 3.32% | 0.95% |
| Q3 2024 | $211.9M | $174.1M | $131.6M | $19.4M | $1.4M | 0.87% | 3.26% | 1.15% |
Loan mix (Q2 2026): real estate $128.4M · commercial $5.8M · consumer $15.4M · securities $39.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | 56th |
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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