| Metric | Connect Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | +22.9% | +2.5% | +20.4 pts |
| Loan growth (YoY) | -2.9% | +2.6% | -5.5 pts |
| ROA | -1.73% | 0.99% | -2.7 pts |
| ROE | -43.1% | 8.1% | -51.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.7M | $69.7M | $57.8M | $2.7M | $-643K | -1.73% | 2.92% | 0.12% |
| Q1 2026 | $74.0M | $70.7M | $58.8M | $3.0M | $-331K | -1.76% | 3.01% | 0.15% |
| Q4 2025 | $76.7M | $64.8M | $59.5M | $3.3M | $-1.1M | -1.56% | 2.78% | 0.14% |
| Q3 2025 | $70.4M | $57.0M | $60.0M | $3.5M | $-894K | -1.71% | 2.80% | 0.00% |
| Q2 2025 | $69.7M | $56.7M | $59.5M | $3.8M | $-611K | -1.76% | 2.68% | 0.00% |
| Q1 2025 | $68.1M | $57.6M | $57.7M | $4.0M | $-382K | -2.21% | 2.56% | 0.00% |
| Q4 2024 | $70.0M | $58.8M | $58.4M | $4.4M | $-1.3M | -1.76% | 2.36% | 0.00% |
| Q3 2024 | $71.8M | $61.1M | $58.6M | $4.7M | $-1.0M | -1.84% | 2.29% | 0.00% |
Loan mix (Q2 2026): real estate $56.6M · commercial $27K · consumer $1.7M · securities $6.8M
| Ratio | Connect Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.73% | 0.99% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -43.1% | 8.1% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 153.5% | 70.8% | 96th |
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 | Connect Community 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 | Connect Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Connect Community 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 | Connect Community 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 | Connect Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (-1 vs 2025) · $69.7M branch deposits. Biggest market: Pacific, WA, ranked 4th with 9.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pacific, WA | 2 | $69.7M | 9.08% | 4th |
Washington: 111th with 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2
Technology spend up 41% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).