| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +4.9 pts |
| Deposit growth (YoY) | +10.4% | +4.0% | +6.4 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 2.13% | 1.24% | +0.9 pts |
| ROE | 21.8% | 11.9% | +10.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.1M | $106.9M | $96.3M | $11.8M | $1.2M | 2.13% | 6.04% | 0.88% |
| Q1 2026 | $114.5M | $102.9M | $94.5M | $11.2M | $590K | 2.09% | 5.99% | 0.30% |
| Q4 2025 | $111.4M | $100.5M | $92.6M | $10.6M | $2.7M | 2.50% | 6.34% | 0.32% |
| Q3 2025 | $110.5M | $97.6M | $87.0M | $12.6M | $2.1M | 2.52% | 6.34% | 0.38% |
| Q2 2025 | $109.0M | $96.9M | $90.1M | $11.9M | $1.4M | 2.61% | 6.29% | 0.45% |
| Q1 2025 | $109.8M | $97.8M | $83.6M | $11.1M | $686K | 2.52% | 6.09% | 0.17% |
| Q4 2024 | $108.1M | $97.1M | $86.7M | $10.4M | $2.9M | 2.64% | 6.25% | 0.62% |
| Q3 2024 | $112.4M | $99.6M | $86.3M | $12.2M | $2.2M | 2.62% | 6.17% | 0.59% |
Loan mix (Q2 2026): real estate $81.4M · commercial $7.9M · consumer $4.4M · securities $7.7M
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.1% | 62.9% | 27th |
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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