| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Deposit growth (YoY) | -1.1% | +4.3% | -5.5 pts |
| Loan growth (YoY) | -6.0% | +5.3% | -11.3 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 25.5% | 12.4% | +13.1 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 | $853.1M | $772.6M | $379.1M | $58.6M | $7.3M | 1.65% | 3.16% | 0.66% |
| Q1 2026 | $903.9M | $810.3M | $393.5M | $55.6M | $3.3M | 1.45% | 2.99% | 0.54% |
| Q4 2025 | $890.6M | $806.5M | $411.8M | $56.6M | $13.9M | 1.61% | 3.08% | 0.54% |
| Q3 2025 | $855.3M | $776.6M | $410.7M | $54.8M | $10.4M | 1.61% | 3.07% | 0.57% |
| Q2 2025 | $854.1M | $781.4M | $403.2M | $49.2M | $6.8M | 1.58% | 2.91% | 0.73% |
| Q1 2025 | $855.7M | $786.6M | $407.0M | $46.3M | $3.1M | 1.46% | 2.89% | 0.74% |
| Q4 2024 | $861.3M | $796.4M | $402.1M | $42.4M | $11.5M | 1.34% | 2.66% | 0.76% |
| Q3 2024 | $862.9M | $769.6M | $397.4M | $51.4M | $8.1M | 1.26% | 2.62% | 0.78% |
Loan mix (Q2 2026): real estate $311.0M · commercial $44.4M · consumer $2.9M · securities $350.0M
| Ratio | Community National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 25.5% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 61.2% | 46th |
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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