| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.1 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 11.9% | 11.9% | +0.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.3M | $122.7M | $95.4M | $15.0M | $880K | 1.27% | 3.92% | 0.20% |
| Q1 2026 | $139.7M | $124.3M | $93.5M | $14.7M | $351K | 1.01% | 3.81% | 0.46% |
| Q4 2025 | $137.1M | $121.8M | $93.0M | $14.6M | $1.9M | 1.39% | 3.81% | 0.76% |
| Q3 2025 | $132.7M | $112.7M | $91.7M | $14.2M | $1.3M | 1.35% | 3.74% | 0.75% |
| Q2 2025 | $133.1M | $118.6M | $87.8M | $13.8M | $860K | 1.30% | 3.65% | 0.21% |
| Q1 2025 | $134.7M | $120.6M | $80.8M | $13.4M | $382K | 1.16% | 3.53% | 0.01% |
| Q4 2024 | $128.5M | $114.7M | $80.4M | $13.0M | $1.1M | 0.86% | 3.44% | 0.00% |
| Q3 2024 | $123.9M | $110.0M | $79.7M | $13.2M | $883K | 0.94% | 3.44% | 0.00% |
Loan mix (Q2 2026): real estate $68.0M · commercial $4.4M · consumer $4.1M · securities $29.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
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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