| Metric | Pegasus Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.5% | -2.7 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.6 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -2.0 pts |
| ROA | 1.60% | 1.26% | +0.3 pts |
| ROE | 14.6% | 12.2% | +2.4 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.46B | $1.27B | $912.2M | $165.1M | $12.0M | 1.60% | 3.61% | 0.00% |
| Q1 2026 | $1.50B | $1.31B | $935.7M | $167.4M | $5.7M | 1.49% | 3.50% | 0.00% |
| Q4 2025 | $1.54B | $1.36B | $936.6M | $161.8M | $23.6M | 1.62% | 3.66% | 0.00% |
| Q3 2025 | $1.54B | $1.36B | $917.2M | $155.3M | $17.7M | 1.64% | 3.64% | 0.00% |
| Q2 2025 | $1.42B | $1.27B | $877.5M | $148.6M | $11.6M | 1.65% | 3.64% | 0.00% |
| Q1 2025 | $1.45B | $1.30B | $878.7M | $148.0M | $5.7M | 1.62% | 3.64% | 0.01% |
| Q4 2024 | $1.35B | $1.20B | $877.0M | $142.6M | $18.6M | 1.42% | 3.74% | 0.01% |
| Q3 2024 | $1.44B | $1.30B | $860.6M | $137.6M | $13.0M | 1.33% | 3.67% | 0.01% |
Loan mix (Q2 2026): real estate $522.1M · commercial $292.0M · consumer $30.2M · securities $92.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pegasus Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.8% | 59.0% | 10th |
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 | Pegasus 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 | Pegasus 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 | Pegasus 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 | Pegasus 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.