| Metric | The Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.6 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $284.2M | $251.4M | $101.2M | $23.3M | $1.1M | 0.77% | 3.00% | 0.27% |
| Q1 2026 | $289.6M | $257.5M | $97.9M | $22.6M | $475K | 0.69% | 2.91% | 0.27% |
| Q4 2025 | $263.5M | $232.3M | $100.5M | $22.0M | $2.1M | 0.80% | 3.04% | 0.36% |
| Q3 2025 | $260.2M | $237.5M | $95.8M | $21.3M | $1.5M | 0.77% | 3.02% | 0.27% |
| Q2 2025 | $260.9M | $238.8M | $94.7M | $20.4M | $953K | 0.74% | 2.95% | 0.24% |
| Q1 2025 | $261.6M | $240.2M | $91.6M | $19.8M | $497K | 0.77% | 2.93% | 0.15% |
| Q4 2024 | $253.9M | $233.7M | $89.1M | $19.1M | $2.0M | 0.81% | 2.90% | 0.13% |
| Q3 2024 | $247.6M | $227.7M | $88.6M | $18.5M | $1.6M | 0.85% | 2.93% | 0.17% |
Loan mix (Q2 2026): real estate $85.6M · commercial $5.1M · consumer $11.1M · securities $129.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 62.9% | 78th |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
8 branches in 4 counties across 1 state (+1 vs 2024) · $238.8M branch deposits. Biggest market: Anderson, SC, ranked 12th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anderson, SC | 3 | $142.8M | 3.20% | 12th |
| Abbeville, SC | 2 | $38.2M | 10.82% | 4th |
| Greenville, SC | 1 | $38.1M | 0.18% | 46th |
| 1 more county with Pro → | ||||
South Carolina: 68th with 0.16% · Greenville-Anderson-Greer metro: 29th, 0.61% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 8