| Metric | Palo Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +1.3% | +2.5% | -1.2 pts |
| Loan growth (YoY) | +0.3% | +2.6% | -2.3 pts |
| ROA | 1.14% | 0.99% | +0.1 pts |
| ROE | 14.9% | 8.1% | +6.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.2M | $45.3M | $21.6M | $3.7M | $278K | 1.14% | 3.22% | 0.08% |
| Q1 2026 | $50.4M | $46.5M | $21.6M | $3.8M | $129K | 1.06% | 3.19% | 0.14% |
| Q4 2025 | $47.3M | $43.5M | $22.6M | $3.7M | $435K | 0.91% | 3.03% | 0.09% |
| Q3 2025 | $46.7M | $42.9M | $21.6M | $3.7M | $303K | 0.85% | 2.96% | 0.06% |
| Q2 2025 | $48.0M | $44.7M | $21.5M | $3.2M | $189K | 0.79% | 2.91% | 0.13% |
| Q1 2025 | $49.2M | $46.1M | $22.0M | $3.0M | $73K | 0.61% | 2.77% | 0.08% |
| Q4 2024 | $46.6M | $43.7M | $22.0M | $2.7M | $370K | 0.80% | 2.84% | 0.08% |
| Q3 2024 | $46.7M | $43.2M | $21.7M | $3.4M | $297K | 0.85% | 2.88% | 0.09% |
Loan mix (Q2 2026): real estate $16.5M · commercial $1.7M · consumer $1.3M · securities $14.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Palo Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.99% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 70.8% | 33th |
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 | Palo Savings 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 | Palo Savings 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 | Palo Savings 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 | Palo Savings 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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