| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.8 pts |
| Deposit growth (YoY) | +11.5% | +4.0% | +7.5 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.9 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.2M | $171.7M | $101.2M | $21.2M | $1.3M | 1.39% | 4.61% | 0.69% |
| Q1 2026 | $192.3M | $171.3M | $96.7M | $20.6M | $681K | 1.42% | 4.67% | 0.44% |
| Q4 2025 | $190.4M | $170.1M | $95.9M | $20.0M | $2.3M | 1.31% | 4.80% | 0.52% |
| Q3 2025 | $170.8M | $150.3M | $95.4M | $20.2M | $1.7M | 1.33% | 4.85% | 0.68% |
| Q2 2025 | $173.8M | $154.1M | $93.3M | $19.5M | $1.1M | 1.31% | 4.81% | 0.85% |
| Q1 2025 | $169.5M | $150.5M | $89.1M | $18.8M | $533K | 1.27% | 4.73% | 0.90% |
| Q4 2024 | $167.2M | $149.0M | $87.5M | $18.1M | $1.8M | 1.11% | 4.49% | 1.17% |
| Q3 2024 | $163.8M | $144.6M | $86.4M | $18.6M | $1.3M | 1.08% | 4.47% | 0.92% |
Loan mix (Q2 2026): real estate $72.6M · commercial $19.0M · consumer $9.3M · securities $43.2M
| Ratio | Community Neighbor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
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 Neighbor 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 Neighbor 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 Neighbor 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 Neighbor 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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