| Metric | Community First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 2.35% | 1.24% | +1.1 pts |
| ROE | 27.6% | 11.9% | +15.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $258.9M | $234.6M | $198.8M | $22.8M | $3.1M | 2.35% | 4.82% | 0.74% |
| Q1 2026 | $258.9M | $235.4M | $201.3M | $22.3M | $1.7M | 2.55% | 4.80% | 0.53% |
| Q4 2025 | $266.8M | $244.0M | $204.5M | $21.6M | $6.6M | 2.59% | 4.73% | 0.69% |
| Q3 2025 | $249.0M | $223.7M | $197.5M | $24.0M | $4.8M | 2.57% | 4.75% | 0.48% |
| Q2 2025 | $248.7M | $224.5M | $199.7M | $23.0M | $3.1M | 2.50% | 4.68% | 0.27% |
| Q1 2025 | $249.2M | $226.1M | $201.7M | $22.1M | $1.5M | 2.36% | 4.60% | 0.30% |
| Q4 2024 | $250.6M | $228.2M | $200.8M | $21.2M | $6.0M | 2.42% | 4.43% | 0.40% |
| Q3 2024 | $242.2M | $217.5M | $195.5M | $23.4M | $4.5M | 2.39% | 4.40% | 0.38% |
Loan mix (Q2 2026): real estate $133.0M · commercial $37.2M · consumer $10.6M · securities $20.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 27.6% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 62.9% | 11th |
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 First 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 First 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 First 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 First 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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