| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +3.0% | +6.2 pts |
| Deposit growth (YoY) | +9.8% | +2.5% | +7.3 pts |
| Loan growth (YoY) | +11.1% | +2.6% | +8.5 pts |
| ROA | 0.93% | 0.99% | -0.1 pts |
| ROE | 8.2% | 8.1% | +0.2 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.3M | $60.2M | $42.0M | $8.0M | $323K | 0.93% | 3.79% | 0.37% |
| Q1 2026 | $70.6M | $61.7M | $41.8M | $7.9M | $162K | 0.93% | 3.69% | 0.48% |
| Q4 2025 | $68.8M | $58.0M | $41.6M | $7.7M | $265K | 0.40% | 3.54% | 0.09% |
| Q3 2025 | $67.5M | $56.6M | $40.4M | $7.7M | $264K | 0.54% | 3.53% | 0.45% |
| Q2 2025 | $63.4M | $54.8M | $37.8M | $7.4M | $191K | 0.59% | 3.50% | 0.17% |
| Q1 2025 | $62.9M | $55.2M | $36.3M | $7.3M | $120K | 0.74% | 3.27% | 0.22% |
| Q4 2024 | $66.9M | $55.8M | $35.7M | $6.9M | $167K | 0.25% | 2.90% | 0.15% |
| Q3 2024 | $66.8M | $55.3M | $34.3M | $7.4M | $181K | 0.36% | 2.81% | 0.18% |
Loan mix (Q2 2026): real estate $9.8M · commercial $9.5M · consumer $3.9M · securities $21.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.99% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 70.8% | 37th |
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 | 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 | 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 | 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 | 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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