| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | +5.2% | +5.1% | +0.2 pts |
| Loan growth (YoY) | +3.0% | +5.9% | -3.0 pts |
| ROA | 1.58% | 1.26% | +0.3 pts |
| ROE | 15.1% | 12.2% | +2.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $983.4M | $960.4M | $132.5M | $9.7M | 1.58% | 3.90% | 0.72% |
| Q1 2026 | $1.23B | $1.02B | $973.7M | $128.9M | $4.7M | 1.50% | 3.75% | 0.63% |
| Q4 2025 | $1.29B | $1.07B | $955.3M | $125.5M | $18.2M | 1.49% | 3.63% | 0.61% |
| Q3 2025 | $1.23B | $1.01B | $953.1M | $123.4M | $13.2M | 1.46% | 3.59% | 0.73% |
| Q2 2025 | $1.17B | $934.5M | $932.8M | $118.2M | $8.2M | 1.36% | 3.51% | 0.79% |
| Q1 2025 | $1.19B | $980.8M | $931.3M | $115.2M | $3.8M | 1.25% | 3.37% | 0.79% |
| Q4 2024 | $1.25B | $1.00B | $918.8M | $110.1M | $14.0M | 1.22% | 3.31% | 0.73% |
| Q3 2024 | $1.18B | $930.7M | $903.8M | $110.4M | $9.6M | 1.14% | 3.28% | 0.48% |
Loan mix (Q2 2026): real estate $798.8M · commercial $113.3M · consumer $8.1M · securities $127.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31th |
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 National 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 National 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 National 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 National 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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