| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +4.0 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 13.4% | 11.9% | +1.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.1M | $394.4M | $203.5M | $37.0M | $2.5M | 1.12% | 3.64% | 0.06% |
| Q1 2026 | $441.9M | $391.7M | $194.5M | $36.5M | $1.1M | 1.01% | 3.56% | 0.03% |
| Q4 2025 | $432.8M | $376.3M | $198.8M | $36.0M | $4.8M | 1.12% | 3.48% | 0.01% |
| Q3 2025 | $437.5M | $379.9M | $193.8M | $35.2M | $3.5M | 1.10% | 3.43% | 0.01% |
| Q2 2025 | $433.8M | $379.2M | $185.8M | $32.4M | $2.2M | 1.02% | 3.36% | 0.01% |
| Q1 2025 | $430.6M | $381.6M | $184.0M | $32.2M | $952K | 0.91% | 3.27% | 0.02% |
| Q4 2024 | $410.0M | $365.5M | $177.3M | $29.5M | $4.3M | 1.05% | 3.27% | 0.02% |
| Q3 2024 | $415.0M | $365.2M | $179.0M | $31.7M | $3.1M | 1.02% | 3.27% | 0.03% |
Loan mix (Q2 2026): real estate $116.8M · commercial $14.7M · consumer $4.5M · securities $136.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 62.9% | 78th |
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 | Community Bank and Trust | 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 | Community Bank and Trust | 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 | Community Bank and Trust | 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 | Community Bank and Trust | 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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