PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Healthcare

Manchester, CT · Charter 60247

NCUA · 1 branch

Q2 2026

$18.0MAssets
$10.9MLoans
$15.7MShares
$2.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.27%, up 25 bps year over year; NIM at 5.29%.
  • Asset quality: problem loans at 0.89% of loans (-47 bps YoY).
  • Capital: net worth / assets of 11.63%, up 103 bps from a year ago.
  • Funding: loans stand at 69.49% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.27%+25 bps YoY

Net Interest Margin (YTD, annualized)

5.29%-9 bps YoY

Efficiency Ratio (YTD, annualized)

75.86%+312 bps YoY

Net Worth / Assets

11.63%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%3.35%0.26%1.02%0.91%0.89%1.07%1.27%+25 bps
Return on Equity15.54%31.70%2.59%9.62%8.23%7.99%9.60%10.90%+128 bps
Net Interest Margin5.16%5.28%5.18%5.38%5.56%5.55%5.35%5.29%-9 bps
Efficiency Ratio71.31%45.33%74.47%72.74%74.65%76.48%77.27%75.86%+312 bps
Growth
Asset Growth (YoY)3.45%6.44%6.77%4.24%2.94%3.25%-0.17%-0.29%-453 bps
Loan Growth (YoY)10.13%-1.13%-6.29%-7.97%-10.42%-7.75%-6.97%-9.77%-181 bps
Share Growth (YoY)1.92%5.28%5.71%2.82%1.67%2.86%-1.74%-2.02%-484 bps
Asset Quality
Delinquent Loans / Loans2.64%1.57%1.14%1.36%1.06%2.13%0.45%0.89%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.33%10.56%10.04%10.60%11.00%11.12%11.13%11.63%+103 bps
Net Worth / Assets10.33%10.56%10.04%10.60%11.00%11.12%11.13%11.63%+103 bps
Liquidity & Funding
Loans / Shares85.96%82.77%74.31%75.46%75.74%74.24%70.36%69.49%-597 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps