| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +4.4% | +8.8 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +13.7% | +5.6% | +8.1 pts |
| ROA | 0.76% | 1.24% | -0.5 pts |
| ROE | 7.7% | 11.9% | -4.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.5M | $301.0M | $298.4M | $38.2M | $1.4M | 0.76% | 4.12% | 0.60% |
| Q1 2026 | $361.4M | $303.4M | $294.8M | $37.5M | $652K | 0.74% | 4.08% | 0.08% |
| Q4 2025 | $346.6M | $299.2M | $292.5M | $29.3M | $2.0M | 0.61% | 4.16% | 0.13% |
| Q3 2025 | $342.3M | $297.2M | $282.1M | $29.0M | $1.5M | 0.61% | 4.13% | 0.08% |
| Q2 2025 | $315.9M | $274.7M | $262.5M | $28.2M | $880K | 0.56% | 4.06% | 0.07% |
| Q1 2025 | $323.5M | $286.5M | $263.5M | $27.9M | $362K | 0.46% | 3.89% | 0.07% |
| Q4 2024 | $310.9M | $272.5M | $265.5M | $27.5M | $945K | 0.31% | 3.83% | 1.22% |
| Q3 2024 | $309.0M | $268.9M | $268.4M | $27.8M | $705K | 0.31% | 3.74% | 1.23% |
Loan mix (Q2 2026): real estate $245.9M · commercial $23.0M · consumer $29.7M · securities $27.5M
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 62.9% | 76th |
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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