| Metric | Pathfinder Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +5.5% | -6.2 pts |
| Deposit growth (YoY) | -3.9% | +5.1% | -8.9 pts |
| Loan growth (YoY) | -3.3% | +5.9% | -9.2 pts |
| ROA | 0.94% | 1.26% | -0.3 pts |
| ROE | 9.6% | 12.2% | -2.5 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.49B | $1.18B | $867.8M | $141.7M | $6.7M | 0.94% | 3.38% | 3.00% |
| Q1 2026 | $1.41B | $1.22B | $871.9M | $139.7M | $3.2M | 0.91% | 3.41% | 3.28% |
| Q4 2025 | $1.42B | $1.19B | $873.1M | $138.2M | $-1.7M | -0.12% | 3.47% | 1.96% |
| Q3 2025 | $1.46B | $1.23B | $879.9M | $144.3M | $5.1M | 0.46% | 3.49% | 1.60% |
| Q2 2025 | $1.50B | $1.23B | $896.9M | $142.6M | $3.9M | 0.52% | 3.43% | 0.79% |
| Q1 2025 | $1.49B | $1.27B | $894.7M | $143.7M | $3.5M | 0.94% | 3.53% | 0.89% |
| Q4 2024 | $1.47B | $1.21B | $901.7M | $140.6M | $5.3M | 0.37% | 3.21% | 1.50% |
| Q3 2024 | $1.48B | $1.20B | $904.4M | $139.7M | $991K | 0.09% | 3.20% | 1.10% |
Loan mix (Q2 2026): real estate $640.0M · commercial $185.8M · consumer $57.3M · securities $477.3M
| Ratio | Pathfinder Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 59.0% | 71th |
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 | Pathfinder 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 | Pathfinder 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 | Pathfinder 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 | Pathfinder 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.