| Metric | Patriots Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.3 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 20.8% | 11.9% | +9.0 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $268.8M | $233.4M | $202.7M | $23.7M | $2.4M | 1.81% | 4.78% | 0.00% |
| Q1 2026 | $270.6M | $241.0M | $206.6M | $23.4M | $1.3M | 1.99% | 4.88% | 0.00% |
| Q4 2025 | $261.2M | $230.8M | $201.6M | $22.5M | $4.5M | 1.82% | 4.88% | 0.00% |
| Q3 2025 | $254.3M | $222.7M | $195.7M | $22.0M | $3.2M | 1.74% | 4.87% | 0.17% |
| Q2 2025 | $249.8M | $223.1M | $186.1M | $20.3M | $2.0M | 1.69% | 4.78% | 0.00% |
| Q1 2025 | $238.8M | $210.9M | $172.6M | $19.8M | $926K | 1.56% | 4.63% | 0.00% |
| Q4 2024 | $236.2M | $205.8M | $182.5M | $18.9M | $3.5M | 1.47% | 4.50% | 0.00% |
| Q3 2024 | $237.0M | $208.5M | $179.8M | $18.8M | $2.3M | 1.32% | 4.40% | 0.00% |
Loan mix (Q2 2026): real estate $175.4M · commercial $15.0M · consumer $6.6M · securities $23.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Patriots Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 37th |
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 | Patriots 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 | Patriots 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 | Patriots 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 | Patriots 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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