| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.6 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 5.1% | 11.9% | -6.7 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $422.7M | $317.5M | $314.1M | $63.3M | $1.6M | 0.78% | 3.22% | 0.64% |
| Q1 2026 | $413.5M | $312.0M | $305.6M | $62.8M | $787K | 0.76% | 3.21% | 0.65% |
| Q4 2025 | $411.5M | $310.5M | $299.4M | $62.3M | $2.8M | 0.69% | 3.15% | 0.67% |
| Q3 2025 | $398.4M | $298.5M | $288.6M | $62.0M | $2.1M | 0.71% | 3.11% | 0.68% |
| Q2 2025 | $397.1M | $298.5M | $290.5M | $61.4M | $1.3M | 0.64% | 3.08% | 0.68% |
| Q1 2025 | $395.5M | $302.4M | $289.1M | $61.0M | $548K | 0.55% | 3.03% | 0.68% |
| Q4 2024 | $400.3M | $307.2M | $293.6M | $60.8M | $2.7M | 0.70% | 3.12% | 0.68% |
| Q3 2024 | $395.0M | $301.7M | $291.5M | $60.5M | $2.2M | 0.75% | 3.16% | 0.71% |
Loan mix (Q2 2026): real estate $201.5M · commercial $0 · consumer $116.2M · securities $3.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51st |
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 Commerce 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 Commerce Bank | 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 Commerce 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 Commerce 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 Commerce 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.
4 branches in 1 county across 1 state (+0 vs 2025) · $317.5M branch deposits. Biggest market: Los Angeles, CA, ranked 100th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 4 | $317.5M | 0.06% | 100th |
California: 226th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 115th, 0.04% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).