| Metric | The Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.2% | +4.4% | +12.8 pts |
| Deposit growth (YoY) | +17.4% | +4.0% | +13.4 pts |
| Loan growth (YoY) | +3.2% | +5.6% | -2.3 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 12.7% | 11.9% | +0.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.8M | $191.8M | $118.6M | $18.3M | $1.1M | 1.12% | 4.18% | 0.92% |
| Q1 2026 | $200.1M | $180.7M | $115.6M | $17.6M | $541K | 1.09% | 4.15% | 1.03% |
| Q4 2025 | $198.0M | $178.3M | $115.2M | $17.9M | $2.5M | 1.39% | 4.63% | 0.09% |
| Q3 2025 | $191.7M | $173.0M | $118.4M | $16.9M | $1.9M | 1.42% | 4.71% | 0.08% |
| Q2 2025 | $180.8M | $163.4M | $114.9M | $15.7M | $1.3M | 1.49% | 4.80% | 0.09% |
| Q1 2025 | $178.3M | $161.9M | $111.7M | $14.9M | $662K | 1.52% | 4.80% | 0.17% |
| Q4 2024 | $169.2M | $153.7M | $113.9M | $14.1M | $2.3M | 1.36% | 4.63% | 0.11% |
| Q3 2024 | $175.0M | $158.9M | $106.5M | $14.6M | $1.7M | 1.35% | 4.59% | 0.11% |
Loan mix (Q2 2026): real estate $94.8M · commercial $18.3M · consumer $4.0M · securities $55.8M
| Ratio | The Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 62.9% | 58th |
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 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 | The 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 | The 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 | The Community 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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