| Metric | PB&T Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.9% | +4.9% | +21.0 pts |
| Deposit growth (YoY) | +32.6% | +4.3% | +28.3 pts |
| Loan growth (YoY) | +19.0% | +5.3% | +13.7 pts |
| ROA | 2.35% | 1.28% | +1.1 pts |
| ROE | 21.3% | 12.4% | +8.9 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $815.2M | $717.6M | $603.4M | $87.0M | $9.1M | 2.35% | 5.17% | 0.42% |
| Q1 2026 | $842.2M | $731.9M | $604.9M | $85.3M | $4.5M | 2.37% | 4.95% | 0.54% |
| Q4 2025 | $663.0M | $557.0M | $517.7M | $83.1M | $15.9M | 2.47% | 5.23% | 0.33% |
| Q3 2025 | $670.9M | $562.4M | $533.2M | $80.9M | $11.9M | 2.46% | 5.17% | 0.33% |
| Q2 2025 | $647.4M | $541.1M | $506.9M | $77.0M | $7.3M | 2.31% | 5.06% | 0.19% |
| Q1 2025 | $631.4M | $549.2M | $465.9M | $75.5M | $3.9M | 2.48% | 4.88% | 0.18% |
| Q4 2024 | $616.7M | $538.7M | $428.7M | $72.0M | $13.5M | 2.16% | 4.56% | 1.65% |
| Q3 2024 | $625.5M | $532.1M | $416.9M | $72.0M | $10.5M | 2.23% | 4.52% | 1.65% |
Loan mix (Q2 2026): real estate $542.3M · commercial $53.5M · consumer $1.7M · securities $125.1M
| Ratio | PB&T Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 1.28% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 12.4% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 61.2% | 41th |
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 | PB&T 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 | PB&T 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 | PB&T 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 | PB&T 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.