| Metric | Partners Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +4.4% | -8.8 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | -3.7% | +5.6% | -9.3 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 7.8% | 11.9% | -4.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $417.1M | $354.0M | $362.5M | $55.3M | $2.1M | 1.04% | 4.45% | 0.83% |
| Q1 2026 | $404.1M | $346.3M | $335.6M | $54.5M | $1.1M | 1.04% | 4.43% | 0.49% |
| Q4 2025 | $415.3M | $348.4M | $347.7M | $53.9M | $5.1M | 1.17% | 4.25% | 1.17% |
| Q3 2025 | $441.7M | $340.5M | $380.7M | $52.9M | $3.7M | 1.11% | 4.18% | 0.35% |
| Q2 2025 | $436.6M | $329.5M | $376.5M | $51.8M | $2.5M | 1.13% | 4.19% | 0.23% |
| Q1 2025 | $429.3M | $342.9M | $365.7M | $50.7M | $1.1M | 0.98% | 4.02% | 0.24% |
| Q4 2024 | $442.6M | $366.4M | $371.5M | $49.6M | $4.0M | 0.92% | 3.87% | 0.41% |
| Q3 2024 | $442.5M | $354.8M | $382.8M | $49.4M | $2.9M | 0.90% | 3.87% | 0.18% |
Loan mix (Q2 2026): real estate $297.9M · commercial $32.8M · consumer $1.3M · securities $28.8M
| Ratio | Partners Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 58th |
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 | Partners 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 | Partners 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 | Partners 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 | Partners 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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