| Metric | Community First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +3.0% | -6.0 pts |
| Deposit growth (YoY) | -0.6% | +2.5% | -3.1 pts |
| Loan growth (YoY) | -1.5% | +2.6% | -4.1 pts |
| ROA | 0.70% | 0.99% | -0.3 pts |
| ROE | 8.2% | 8.1% | +0.1 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.6M | $84.7M | $62.6M | $8.7M | $354K | 0.70% | 4.32% | 0.00% |
| Q1 2026 | $101.4M | $83.4M | $60.8M | $8.7M | $174K | 0.67% | 4.16% | 0.00% |
| Q4 2025 | $106.3M | $88.5M | $63.1M | $8.5M | $656K | 0.64% | 4.14% | 0.00% |
| Q3 2025 | $103.8M | $85.2M | $65.7M | $8.0M | $362K | 0.48% | 4.06% | 0.06% |
| Q2 2025 | $100.7M | $85.2M | $63.6M | $7.0M | $188K | 0.38% | 3.99% | 0.05% |
| Q1 2025 | $98.8M | $84.3M | $59.1M | $7.2M | $55K | 0.22% | 3.92% | 0.05% |
| Q4 2024 | $100.8M | $86.3M | $61.5M | $7.3M | $471K | 0.46% | 3.72% | 0.05% |
| Q3 2024 | $100.1M | $84.3M | $59.9M | $8.1M | $405K | 0.53% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $56.9M · commercial $3.3M · consumer $1.1M · securities $28.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.99% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 70.8% | 77th |
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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