| Metric | The Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +12.0% | +5.6% | +6.4 pts |
| ROA | 3.14% | 1.24% | +1.9 pts |
| ROE | 37.0% | 11.9% | +25.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $463.7M | $419.2M | $342.3M | $40.3M | $7.2M | 3.14% | 5.12% | 0.12% |
| Q1 2026 | $458.9M | $417.2M | $322.8M | $38.0M | $3.6M | 3.13% | 5.03% | 0.09% |
| Q4 2025 | $462.6M | $419.7M | $316.7M | $39.3M | $12.7M | 2.90% | 5.12% | 0.10% |
| Q3 2025 | $435.0M | $393.8M | $305.7M | $36.9M | $9.7M | 3.00% | 5.13% | 0.11% |
| Q2 2025 | $427.5M | $390.9M | $305.5M | $32.9M | $6.4M | 2.99% | 5.05% | 0.03% |
| Q1 2025 | $430.7M | $396.4M | $295.7M | $31.2M | $3.2M | 2.95% | 4.94% | 0.01% |
| Q4 2024 | $432.8M | $398.3M | $294.3M | $31.3M | $11.6M | 2.70% | 4.70% | 0.00% |
| Q3 2024 | $418.6M | $383.5M | $292.9M | $31.4M | $8.8M | 2.73% | 4.62% | 0.08% |
Loan mix (Q2 2026): real estate $320.0M · commercial $21.3M · consumer $6.3M · securities $75.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.14% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 37.0% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.2% | 62.9% | 5th |
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 | The Commercial 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 | The Commercial 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 | The Commercial 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 | The Commercial 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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