| Metric | The Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | -3.1% | +5.6% | -8.7 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 10.2% | 11.9% | -1.6 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.5M | $152.2M | $88.7M | $19.8M | $999K | 1.14% | 3.81% | 0.02% |
| Q1 2026 | $177.7M | $156.9M | $86.8M | $19.2M | $473K | 1.08% | 3.73% | 0.05% |
| Q4 2025 | $173.8M | $152.7M | $91.5M | $19.5M | $1.9M | 1.15% | 3.84% | 0.09% |
| Q3 2025 | $171.7M | $151.5M | $89.2M | $18.7M | $1.4M | 1.15% | 3.84% | 0.06% |
| Q2 2025 | $166.5M | $147.4M | $91.6M | $17.7M | $948K | 1.14% | 3.82% | 0.21% |
| Q1 2025 | $164.6M | $146.5M | $89.7M | $16.7M | $452K | 1.09% | 3.76% | 0.22% |
| Q4 2024 | $166.8M | $149.7M | $88.3M | $15.8M | $1.8M | 1.07% | 3.63% | 0.28% |
| Q3 2024 | $162.4M | $144.4M | $86.2M | $16.5M | $1.3M | 1.05% | 3.58% | 0.41% |
Loan mix (Q2 2026): real estate $52.2M · commercial $13.1M · consumer $21.3M · securities $66.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
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 | 64.5% | 62.9% | 55th |
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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