| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +0.9 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 19.3% | 11.9% | +7.5 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 | $188.8M | $162.9M | $144.1M | $20.8M | $2.0M | 2.14% | 4.79% | 0.17% |
| Q1 2026 | $181.2M | $156.1M | $138.5M | $19.9M | $1.0M | 2.27% | 4.93% | 0.18% |
| Q4 2025 | $188.1M | $161.1M | $131.2M | $21.1M | $4.1M | 2.26% | 4.78% | 0.18% |
| Q3 2025 | $192.4M | $166.2M | $136.3M | $20.0M | $3.1M | 2.25% | 4.74% | 0.04% |
| Q2 2025 | $179.6M | $153.0M | $135.3M | $20.6M | $2.0M | 2.24% | 4.72% | 0.00% |
| Q1 2025 | $177.2M | $151.4M | $129.1M | $19.6M | $958K | 2.17% | 4.64% | 0.00% |
| Q4 2024 | $175.9M | $149.9M | $125.5M | $19.8M | $3.7M | 2.21% | 4.78% | 0.00% |
| Q3 2024 | $165.8M | $139.5M | $125.3M | $18.9M | $2.8M | 2.27% | 4.75% | 0.28% |
Loan mix (Q2 2026): real estate $133.9M · commercial $10.0M · consumer $1.7M · securities $9.9M
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.7% | 62.9% | 5th |
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% |
The full ratio pack is part of CharterBench Pro.