| Metric | Sound Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.5% | -4.8 pts |
| Deposit growth (YoY) | +3.1% | +5.1% | -2.0 pts |
| Loan growth (YoY) | -1.4% | +5.9% | -7.3 pts |
| ROA | 0.87% | 1.26% | -0.4 pts |
| ROE | 8.1% | 12.2% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $937.1M | $885.1M | $117.1M | $4.7M | 0.87% | 3.70% | 0.76% |
| Q1 2026 | $1.11B | $974.8M | $913.2M | $116.1M | $1.9M | 0.68% | 3.55% | 0.67% |
| Q4 2025 | $1.09B | $954.2M | $897.5M | $116.2M | $8.4M | 0.79% | 3.58% | 0.56% |
| Q3 2025 | $1.06B | $908.5M | $901.4M | $113.4M | $5.8M | 0.74% | 3.62% | 0.29% |
| Q2 2025 | $1.06B | $909.1M | $897.8M | $111.2M | $3.8M | 0.73% | 3.60% | 0.35% |
| Q1 2025 | $1.07B | $919.4M | $880.1M | $112.5M | $1.5M | 0.57% | 3.39% | 0.90% |
| Q4 2024 | $993.8M | $841.8M | $892.2M | $114.5M | $5.8M | 0.55% | 3.20% | 0.75% |
| Q3 2024 | $1.10B | $935.0M | $893.2M | $113.2M | $3.6M | 0.45% | 3.10% | 0.78% |
Loan mix (Q2 2026): real estate $736.0M · commercial $14.0M · consumer $143.6M · securities $9.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sound Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 59.0% | 82th |
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 | Sound 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 | Sound 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 | Sound 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 | Sound 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.