| Metric | The Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.2 pts |
| Loan growth (YoY) | -0.8% | +5.6% | -6.4 pts |
| ROA | 1.56% | 1.24% | +0.3 pts |
| ROE | 17.4% | 11.9% | +5.5 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.6M | $99.1M | $44.1M | $10.2M | $884K | 1.56% | 3.72% | 0.00% |
| Q1 2026 | $114.2M | $99.3M | $44.1M | $10.0M | $402K | 1.43% | 3.65% | 0.00% |
| Q4 2025 | $111.5M | $96.4M | $44.4M | $10.3M | $1.7M | 1.54% | 3.60% | 0.00% |
| Q3 2025 | $108.2M | $94.0M | $44.7M | $9.7M | $1.3M | 1.54% | 3.58% | 0.00% |
| Q2 2025 | $112.0M | $100.3M | $44.4M | $8.8M | $830K | 1.51% | 3.46% | 0.00% |
| Q1 2025 | $111.8M | $99.6M | $44.2M | $9.3M | $375K | 1.38% | 3.36% | 0.00% |
| Q4 2024 | $105.7M | $93.0M | $43.0M | $8.9M | $1.3M | 1.23% | 3.26% | 0.02% |
| Q3 2024 | $106.8M | $93.1M | $43.0M | $9.4M | $1.0M | 1.26% | 3.23% | 0.00% |
Loan mix (Q2 2026): real estate $37.9M · commercial $2.3M · consumer $1.4M · securities $64.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 62.9% | 19th |
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% |
The full ratio pack is part of CharterBench Pro.