| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +3.0% | +6.5 pts |
| Deposit growth (YoY) | +19.6% | +2.5% | +17.1 pts |
| Loan growth (YoY) | +20.5% | +2.6% | +17.9 pts |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 1.6% | 8.1% | -6.5 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.0M | $34.1M | $18.6M | $8.4M | $65K | 0.29% | 4.32% | 0.00% |
| Q1 2026 | $44.8M | $35.8M | $14.7M | $8.4M | $58K | 0.52% | 4.34% | 0.00% |
| Q4 2025 | $44.7M | $36.0M | $15.8M | $8.3M | $-46K | -0.11% | 1.32% | 0.00% |
| Q3 2025 | $40.0M | $31.4M | $13.9M | $8.3M | $-96K | -0.32% | 0.39% | 0.00% |
| Q2 2025 | $39.3M | $28.5M | $15.4M | $10.7M | $464K | 2.29% | 4.19% | 0.00% |
| Q1 2025 | $42.2M | $31.2M | $17.5M | $10.8M | $253K | 2.45% | 4.13% | 0.00% |
| Q4 2024 | $40.4M | $29.7M | $17.4M | $10.6M | $893K | 2.27% | 4.76% | 0.00% |
| Q3 2024 | $39.1M | $28.5M | $18.4M | $10.5M | $780K | 2.66% | 4.89% | 0.00% |
Loan mix (Q2 2026): real estate $10.2M · commercial $3.7M · consumer $1.9M · securities $600K
| Ratio | Community Bank of Easton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 8.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 70.8% | 67th |
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 of Easton | 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 of Easton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Community Bank of Easton | 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 of Easton | 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 of Easton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 31, 2025 | Target | UIR Acceptance Corporation | Other | Completed | Federal Reserve |