| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.3 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $310.8M | $210.7M | $215.1M | $45.0M | $2.2M | 1.46% | 2.91% | 1.04% |
| Q1 2026 | $304.1M | $201.1M | $210.3M | $44.5M | $1.2M | 1.57% | 2.91% | 0.96% |
| Q4 2025 | $298.7M | $195.2M | $206.7M | $44.1M | $4.2M | 1.42% | 2.89% | 0.98% |
| Q3 2025 | $296.6M | $198.5M | $203.1M | $42.7M | $3.2M | 1.45% | 2.87% | 1.02% |
| Q2 2025 | $289.9M | $197.5M | $199.5M | $40.1M | $1.9M | 1.34% | 2.84% | 1.07% |
| Q1 2025 | $287.3M | $195.1M | $192.5M | $40.0M | $1.0M | 1.41% | 2.79% | 1.02% |
| Q4 2024 | $288.8M | $195.9M | $189.6M | $39.0M | $4.2M | 1.49% | 2.84% | 1.01% |
| Q3 2024 | $285.2M | $190.1M | $187.9M | $40.3M | $3.6M | 1.73% | 2.97% | 0.14% |
Loan mix (Q2 2026): real estate $157.3M · commercial $30.6M · consumer $3.9M · securities $60.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 62.9% | 14th |
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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