| Metric | PCB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +3.6% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +4.7% | +5.9% | -1.2 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 11.3% | 12.2% | -0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.47B | $2.93B | $2.90B | $388.4M | $21.6M | 1.28% | 3.35% | 0.25% |
| Q1 2026 | $3.40B | $2.90B | $2.84B | $384.9M | $10.8M | 1.30% | 3.35% | 0.27% |
| Q4 2025 | $3.28B | $2.81B | $2.80B | $378.5M | $38.4M | 1.19% | 3.36% | 0.24% |
| Q3 2025 | $3.36B | $2.92B | $2.73B | $373.6M | $28.9M | 1.20% | 3.34% | 0.24% |
| Q2 2025 | $3.30B | $2.83B | $2.77B | $366.1M | $17.3M | 1.09% | 3.31% | 0.27% |
| Q1 2025 | $3.18B | $2.72B | $2.71B | $361.0M | $7.9M | 1.02% | 3.26% | 0.20% |
| Q4 2024 | $3.06B | $2.62B | $2.61B | $355.0M | $26.6M | 0.92% | 3.21% | 0.15% |
| Q3 2024 | $2.89B | $2.47B | $2.44B | $353.7M | $19.4M | 0.91% | 3.21% | 0.24% |
Loan mix (Q2 2026): real estate $2.47B · commercial $329.0M · consumer $5.7M · securities $184.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 59.0% | 19th |
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 | PCB 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 | PCB 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 | PCB 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 | PCB 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.