| Metric | Community First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Deposit growth (YoY) | +8.5% | +4.3% | +4.2 pts |
| Loan growth (YoY) | +2.8% | +5.3% | -2.6 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 20.5% | 12.4% | +8.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $781.6M | $706.8M | $531.5M | $71.4M | $7.1M | 1.85% | 4.49% | 0.37% |
| Q1 2026 | $790.2M | $718.5M | $526.1M | $69.0M | $3.6M | 1.86% | 4.41% | 0.23% |
| Q4 2025 | $742.3M | $671.7M | $530.6M | $68.4M | $13.1M | 1.84% | 4.41% | 0.25% |
| Q3 2025 | $723.0M | $652.7M | $526.2M | $67.0M | $9.7M | 1.83% | 4.40% | 0.22% |
| Q2 2025 | $718.2M | $651.6M | $517.3M | $63.5M | $6.4M | 1.83% | 4.39% | 0.22% |
| Q1 2025 | $718.4M | $655.1M | $520.5M | $60.6M | $3.1M | 1.81% | 4.32% | 0.18% |
| Q4 2024 | $666.1M | $605.5M | $518.3M | $57.9M | $11.0M | 1.64% | 4.25% | 0.20% |
| Q3 2024 | $657.4M | $593.7M | $526.7M | $59.3M | $7.8M | 1.56% | 4.19% | 0.19% |
Loan mix (Q2 2026): real estate $444.4M · commercial $75.2M · consumer $18.6M · securities $140.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 61.2% | 41th |
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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