| Metric | Panhandle First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +1.9 pts |
| Loan growth (YoY) | -4.2% | +5.3% | -9.6 pts |
| ROA | 0.42% | 1.28% | -0.9 pts |
| ROE | 3.0% | 12.4% | -9.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $568.7M | $463.0M | $350.1M | $79.0M | $1.2M | 0.42% | 4.92% | 1.80% |
| Q1 2026 | $573.2M | $464.4M | $355.3M | $81.8M | $2.7M | 1.92% | 4.81% | 1.42% |
| Q4 2025 | $569.3M | $458.9M | $363.8M | $80.6M | $8.7M | 1.59% | 4.75% | 1.40% |
| Q3 2025 | $549.1M | $443.3M | $371.5M | $79.2M | $6.1M | 1.51% | 4.73% | 1.46% |
| Q2 2025 | $541.0M | $435.7M | $365.6M | $75.4M | $4.1M | 1.53% | 4.71% | 1.66% |
| Q1 2025 | $534.6M | $435.5M | $371.7M | $77.8M | $2.1M | 1.60% | 4.73% | 1.30% |
| Q4 2024 | $531.4M | $432.3M | $373.9M | $75.1M | $6.5M | 1.26% | 4.23% | 1.32% |
| Q3 2024 | $533.2M | $430.9M | $355.5M | $78.3M | $4.6M | 1.20% | 3.99% | 1.17% |
Loan mix (Q2 2026): real estate $203.0M · commercial $55.8M · consumer $10.2M · securities $133.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Panhandle First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 12.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 61.2% | 16th |
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 | Panhandle First 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 | Panhandle First 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 | Panhandle First 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 | Panhandle First Bank | 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.