| Metric | PCSB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -3.0 pts |
| Loan growth (YoY) | +2.3% | +5.6% | -3.3 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 10.2% | 11.9% | -1.7 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $326.1M | $294.0M | $177.4M | $30.4M | $1.5M | 0.91% | 2.91% | 0.14% |
| Q1 2026 | $332.3M | $301.9M | $174.5M | $28.9M | $743K | 0.89% | 2.83% | 0.24% |
| Q4 2025 | $337.2M | $306.8M | $179.3M | $29.0M | $2.3M | 0.71% | 2.72% | 0.16% |
| Q3 2025 | $326.9M | $297.0M | $173.0M | $28.3M | $1.6M | 0.67% | 2.68% | 0.69% |
| Q2 2025 | $318.4M | $291.1M | $173.4M | $25.7M | $1.1M | 0.66% | 2.65% | 0.74% |
| Q1 2025 | $324.2M | $298.7M | $170.6M | $24.0M | $574K | 0.70% | 2.59% | 0.69% |
| Q4 2024 | $332.0M | $307.4M | $170.6M | $23.1M | $1.9M | 0.58% | 2.54% | 0.24% |
| Q3 2024 | $324.8M | $298.5M | $170.5M | $24.7M | $1.3M | 0.55% | 2.51% | 1.23% |
Loan mix (Q2 2026): real estate $119.7M · commercial $17.7M · consumer $6.2M · securities $101.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PCSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 62.9% | 67th |
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 | PCSB 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 | PCSB 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 | PCSB 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 | PCSB 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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