| Metric | The Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +4.4% | +8.0 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.9 pts |
| Loan growth (YoY) | +22.3% | +5.6% | +16.7 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $295.5M | $267.0M | $168.1M | $18.7M | $1.3M | 0.91% | 3.81% | 0.17% |
| Q1 2026 | $286.5M | $266.7M | $164.3M | $18.0M | $620K | 0.88% | 3.81% | 0.11% |
| Q4 2025 | $278.1M | $251.7M | $149.6M | $17.4M | $2.1M | 0.77% | 3.66% | 0.12% |
| Q3 2025 | $271.8M | $244.3M | $145.4M | $16.5M | $1.4M | 0.71% | 3.60% | 0.15% |
| Q2 2025 | $263.1M | $247.6M | $137.5M | $13.8M | $863K | 0.66% | 3.51% | 0.32% |
| Q1 2025 | $269.6M | $254.1M | $129.2M | $14.0M | $392K | 0.60% | 3.39% | 0.24% |
| Q4 2024 | $251.8M | $221.3M | $120.9M | $12.9M | $2.3M | 0.91% | 3.56% | 0.12% |
| Q3 2024 | $245.7M | $227.6M | $109.8M | $16.3M | $1.7M | 0.89% | 3.61% | 0.19% |
Loan mix (Q2 2026): real estate $101.9M · commercial $56.8M · consumer $10.9M · securities $101.3M
| Ratio | The Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 62.9% | 53th |
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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