| Metric | Pathway Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.4% | -6.1 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +1.5% | +5.6% | -4.1 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 13.4% | 11.9% | +1.6 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $338.1M | $245.5M | $238.1M | $41.0M | $2.7M | 1.57% | 3.36% | 2.75% |
| Q1 2026 | $343.8M | $238.7M | $236.2M | $39.9M | $1.3M | 1.54% | 3.27% | 0.05% |
| Q4 2025 | $345.6M | $242.8M | $237.0M | $39.0M | $4.2M | 1.22% | 3.33% | 0.11% |
| Q3 2025 | $349.4M | $240.0M | $239.5M | $39.4M | $3.1M | 1.22% | 3.30% | 0.76% |
| Q2 2025 | $344.2M | $241.7M | $234.6M | $37.8M | $1.9M | 1.10% | 3.18% | 0.78% |
| Q1 2025 | $337.0M | $233.2M | $207.5M | $36.6M | $861K | 1.03% | 2.99% | 0.54% |
| Q4 2024 | $332.1M | $233.5M | $202.0M | $35.2M | $3.3M | 1.03% | 2.99% | 0.27% |
| Q3 2024 | $328.0M | $223.5M | $204.7M | $35.6M | $2.3M | 0.97% | 2.94% | 0.26% |
Loan mix (Q2 2026): real estate $130.5M · commercial $18.6M · consumer $1.5M · securities $69.8M
| Ratio | Pathway Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 62.9% | 33rd |
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 | Pathway 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 | Pathway Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Pathway 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 | Pathway 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 | Pathway 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.
4 branches in 3 counties across 1 state (+0 vs 2024) · $241.7M branch deposits. Biggest market: Hall, NE, ranked 6th with 5.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hall, NE | 2 | $179.6M | 5.65% | 6th |
| Valley, NE | 1 | $33.0M | 14.11% | 3rd |
| Garfield, NE | 1 | $29.1M | 29.53% | 3rd |
Nebraska: 76th with 0.25% · Grand Island metro: 7th, 4.85% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4