| Metric | Bank of the Pacific | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.1 pts |
| Loan growth (YoY) | +3.3% | +5.9% | -2.6 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 10.0% | 12.2% | -2.2 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.26B | $1.11B | $761.0M | $138.9M | $6.9M | 1.09% | 4.15% | 0.02% |
| Q1 2026 | $1.29B | $1.14B | $761.6M | $139.2M | $3.3M | 1.02% | 4.07% | 0.05% |
| Q4 2025 | $1.27B | $1.12B | $766.0M | $138.7M | $12.7M | 1.03% | 4.29% | 0.01% |
| Q3 2025 | $1.26B | $1.11B | $762.5M | $135.5M | $9.3M | 1.02% | 4.29% | 0.03% |
| Q2 2025 | $1.21B | $1.07B | $736.6M | $131.4M | $5.6M | 0.93% | 4.28% | 0.04% |
| Q1 2025 | $1.22B | $1.08B | $697.5M | $129.2M | $2.6M | 0.89% | 4.21% | 0.10% |
| Q4 2024 | $1.15B | $1.02B | $695.4M | $126.2M | $10.7M | 0.94% | 4.29% | 0.10% |
| Q3 2024 | $1.16B | $1.01B | $690.2M | $133.6M | $8.3M | 0.97% | 4.32% | 0.10% |
Loan mix (Q2 2026): real estate $613.1M · commercial $88.3M · consumer $44.6M · securities $334.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 59.0% | 79th |
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 the Pacific | 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 the Pacific | 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 the Pacific | 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 the Pacific | 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.