| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | -10.1% | +4.0% | -14.1 pts |
| Loan growth (YoY) | -5.0% | +5.6% | -10.6 pts |
| ROA | 0.22% | 1.24% | -1.0 pts |
| ROE | 1.6% | 11.9% | -10.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.4M | $94.9M | $89.6M | $19.3M | $155K | 0.22% | 2.85% | 0.00% |
| Q1 2026 | $153.7M | $95.1M | $87.5M | $19.1M | $40K | 0.11% | 2.77% | 0.00% |
| Q4 2025 | $128.8M | $95.2M | $88.3M | $19.2M | $247K | 0.18% | 2.95% | 0.00% |
| Q3 2025 | $134.2M | $101.8M | $88.7M | $19.0M | $155K | 0.15% | 2.92% | 0.00% |
| Q2 2025 | $138.6M | $105.6M | $94.4M | $18.6M | $94K | 0.13% | 2.89% | 0.00% |
| Q1 2025 | $141.0M | $108.1M | $100.0M | $18.4M | $65K | 0.18% | 2.87% | 0.00% |
| Q4 2024 | $143.2M | $110.4M | $103.2M | $18.1M | $224K | 0.14% | 2.69% | 0.00% |
| Q3 2024 | $170.3M | $114.5M | $103.6M | $18.5M | $172K | 0.15% | 2.68% | 0.00% |
Loan mix (Q2 2026): real estate $78.5M · commercial $2.3M · consumer $740K · securities $21.5M
| Ratio | Community Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 62.9% | 96th |
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 Bankers' 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 Bankers' 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 Bankers' 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 Bankers' 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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