| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.2 pts |
| Loan growth (YoY) | -1.2% | +5.9% | -7.2 pts |
| ROA | 2.10% | 1.26% | +0.8 pts |
| ROE | 16.9% | 12.2% | +4.7 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.54B | $2.18B | $1.56B | $328.3M | $27.0M | 2.10% | 5.06% | 1.16% |
| Q1 2026 | $2.58B | $2.23B | $1.57B | $319.5M | $13.2M | 2.04% | 4.96% | 0.51% |
| Q4 2025 | $2.59B | $2.24B | $1.59B | $311.2M | $55.3M | 2.27% | 5.27% | 0.72% |
| Q3 2025 | $2.34B | $2.01B | $1.63B | $299.3M | $41.2M | 2.29% | 5.31% | 0.72% |
| Q2 2025 | $2.40B | $2.08B | $1.58B | $287.5M | $27.6M | 2.28% | 5.19% | 0.74% |
| Q1 2025 | $2.45B | $2.14B | $1.57B | $275.7M | $14.1M | 2.32% | 5.02% | 0.36% |
| Q4 2024 | $2.40B | $2.11B | $1.56B | $261.9M | $50.5M | 2.27% | 5.16% | 0.25% |
| Q3 2024 | $2.23B | $1.95B | $1.48B | $254.8M | $38.4M | 2.35% | 5.16% | 0.31% |
Loan mix (Q2 2026): real estate $1.03B · commercial $508.2M · consumer $12.0M · securities $236.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 59.0% | 18th |
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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