| Metric | Community Point Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.8% | +4.4% | +14.4 pts |
| Deposit growth (YoY) | +16.4% | +4.0% | +12.4 pts |
| Loan growth (YoY) | +21.7% | +5.6% | +16.1 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 21.8% | 11.9% | +9.9 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $259.7M | $227.4M | $212.1M | $19.7M | $2.1M | 1.70% | 3.77% | 0.05% |
| Q1 2026 | $254.3M | $219.7M | $202.6M | $22.1M | $1.1M | 1.71% | 3.77% | 0.03% |
| Q4 2025 | $239.6M | $206.6M | $199.4M | $17.1M | $3.9M | 1.79% | 3.84% | 0.21% |
| Q3 2025 | $224.7M | $200.2M | $184.2M | $18.0M | $2.8M | 1.73% | 3.78% | 0.22% |
| Q2 2025 | $218.6M | $195.4M | $174.3M | $16.6M | $1.7M | 1.64% | 3.68% | 0.15% |
| Q1 2025 | $210.2M | $187.2M | $165.4M | $15.6M | $786K | 1.52% | 3.62% | 0.30% |
| Q4 2024 | $203.3M | $177.4M | $164.6M | $14.5M | $2.5M | 1.32% | 3.44% | 0.16% |
| Q3 2024 | $192.9M | $173.6M | $153.9M | $15.7M | $1.8M | 1.31% | 3.39% | 0.28% |
Loan mix (Q2 2026): real estate $152.3M · commercial $20.9M · consumer $8.6M · securities $23.1M
| Ratio | Community Point Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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 Point 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 Point 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 Point 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 Point 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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