| Metric | Pavillion Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.0% | +4.5 pts |
| Deposit growth (YoY) | +8.3% | +2.5% | +5.8 pts |
| Loan growth (YoY) | +19.7% | +2.6% | +17.1 pts |
| ROA | 1.26% | 0.99% | +0.3 pts |
| ROE | 8.0% | 8.1% | -0.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.4M | $64.2M | $62.4M | $12.0M | $480K | 1.26% | 5.96% | 0.00% |
| Q1 2026 | $76.2M | $62.3M | $59.4M | $11.9M | $224K | 1.19% | 5.82% | 0.00% |
| Q4 2025 | $74.3M | $60.5M | $57.0M | $11.9M | $1.3M | 1.82% | 6.52% | 0.00% |
| Q3 2025 | $74.5M | $60.7M | $56.5M | $11.7M | $887K | 1.63% | 6.61% | 0.15% |
| Q2 2025 | $72.9M | $59.3M | $52.1M | $11.7M | $617K | 1.72% | 6.68% | 0.00% |
| Q1 2025 | $73.0M | $59.5M | $54.8M | $11.6M | $310K | 1.74% | 6.64% | 0.00% |
| Q4 2024 | $69.9M | $56.5M | $52.3M | $11.5M | $1.3M | 1.82% | 6.67% | 0.31% |
| Q3 2024 | $71.5M | $58.0M | $47.8M | $11.5M | $1.0M | 1.94% | 6.73% | 0.01% |
Loan mix (Q2 2026): real estate $58.5M · commercial $4.3M · consumer $531K · securities $0
| Ratio | Pavillion Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.99% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 8.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 70.8% | 54th |
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 | Pavillion 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 | Pavillion 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 | Pavillion 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 | Pavillion 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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