| Metric | PennCrest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +3.2% | +5.6% | -2.4 pts |
| ROA | 0.47% | 1.24% | -0.8 pts |
| ROE | 3.8% | 11.9% | -8.1 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.1M | $210.0M | $156.2M | $30.2M | $571K | 0.47% | 3.07% | 0.32% |
| Q1 2026 | $242.9M | $206.7M | $153.2M | $29.7M | $232K | 0.39% | 3.01% | 0.31% |
| Q4 2025 | $238.6M | $199.1M | $153.0M | $30.1M | $942K | 0.40% | 2.97% | 0.30% |
| Q3 2025 | $235.7M | $199.5M | $151.7M | $29.5M | $728K | 0.42% | 2.96% | 0.28% |
| Q2 2025 | $234.1M | $199.5M | $151.4M | $28.1M | $441K | 0.38% | 2.92% | 0.29% |
| Q1 2025 | $232.4M | $197.3M | $150.2M | $27.8M | $140K | 0.24% | 2.81% | 0.31% |
| Q4 2024 | $225.6M | $191.5M | $150.3M | $27.4M | $514K | 0.23% | 2.78% | 0.35% |
| Q3 2024 | $222.5M | $186.7M | $149.4M | $28.5M | $415K | 0.25% | 2.76% | 0.42% |
Loan mix (Q2 2026): real estate $144.5M · commercial $324K · consumer $11.6M · securities $68.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PennCrest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 62.9% | 86th |
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 | PennCrest 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 | PennCrest 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 | PennCrest 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 | PennCrest 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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