| Metric | BankPacific, Ltd | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.3 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 0.72% | 1.24% | -0.5 pts |
| ROE | 6.1% | 11.9% | -5.8 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.9M | $167.1M | $93.6M | $22.2M | $666K | 0.72% | 5.45% | 1.81% |
| Q1 2026 | $187.5M | $163.2M | $91.9M | $21.9M | $289K | 0.63% | 5.49% | 1.36% |
| Q4 2025 | $178.1M | $154.0M | $89.1M | $21.6M | $1.4M | 0.77% | 5.94% | 1.51% |
| Q3 2025 | $172.8M | $149.1M | $91.3M | $21.3M | $1.0M | 0.78% | 5.89% | 1.91% |
| Q2 2025 | $179.5M | $155.9M | $94.8M | $21.1M | $530K | 0.60% | 5.66% | 2.51% |
| Q1 2025 | $177.5M | $154.3M | $96.2M | $20.8M | $224K | 0.51% | 5.72% | 2.74% |
| Q4 2024 | $176.8M | $153.8M | $94.0M | $20.6M | $879K | 0.49% | 5.88% | 2.05% |
| Q3 2024 | $176.3M | $153.6M | $92.7M | $20.4M | $741K | 0.55% | 5.93% | 1.98% |
Loan mix (Q2 2026): real estate $64.5M · commercial $11.2M · consumer $18.8M · securities $48.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankPacific, Ltd | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 62.9% | 88th |
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 | BankPacific, Ltd | 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 | BankPacific, Ltd | 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 | BankPacific, Ltd | 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 | BankPacific, Ltd | 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.