| Metric | Bank of Pontiac | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.5% | -0.6 pts |
| Deposit growth (YoY) | +3.6% | +5.1% | -1.4 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.8 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 11.1% | 12.2% | -1.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.00B | $829.7M | $138.6M | $7.6M | 1.28% | 4.03% | 0.22% |
| Q1 2026 | $1.20B | $1.02B | $809.9M | $136.8M | $4.2M | 1.42% | 3.94% | 0.31% |
| Q4 2025 | $1.17B | $1.00B | $835.6M | $133.6M | $16.3M | 1.42% | 3.93% | 0.12% |
| Q3 2025 | $1.15B | $986.5M | $827.5M | $129.5M | $11.8M | 1.38% | 3.86% | 0.13% |
| Q2 2025 | $1.12B | $965.2M | $804.4M | $122.4M | $7.3M | 1.29% | 3.75% | 0.14% |
| Q1 2025 | $1.14B | $980.7M | $782.5M | $119.4M | $3.5M | 1.21% | 3.62% | 0.09% |
| Q4 2024 | $1.15B | $998.1M | $802.7M | $115.6M | $12.7M | 1.16% | 3.57% | 0.23% |
| Q3 2024 | $1.14B | $990.6M | $784.2M | $114.8M | $9.8M | 1.20% | 3.58% | 0.28% |
Loan mix (Q2 2026): real estate $693.8M · commercial $64.3M · consumer $20.5M · securities $162.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Pontiac | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.2% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 59.0% | 23th |
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 | Bank of Pontiac | 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 | Bank of Pontiac | 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 | Bank of Pontiac | 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 | Bank of Pontiac | 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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