| Metric | Pennian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.9% | -5.9 pts |
| Deposit growth (YoY) | -2.0% | +4.3% | -6.4 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.1 pts |
| ROA | 0.39% | 1.28% | -0.9 pts |
| ROE | 5.3% | 12.4% | -7.1 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $667.9M | $578.9M | $442.0M | $49.8M | $1.3M | 0.39% | 3.13% | 0.73% |
| Q1 2026 | $657.4M | $569.9M | $423.3M | $48.3M | $621K | 0.38% | 3.07% | 0.73% |
| Q4 2025 | $662.1M | $573.7M | $428.7M | $49.1M | $2.2M | 0.34% | 3.06% | 0.73% |
| Q3 2025 | $656.7M | $570.3M | $431.4M | $47.4M | $1.4M | 0.28% | 2.90% | 1.28% |
| Q2 2025 | $674.4M | $591.0M | $436.7M | $44.2M | $1.6M | 0.47% | 2.87% | 0.48% |
| Q1 2025 | $668.3M | $577.4M | $442.5M | $44.6M | $774K | 0.46% | 2.96% | 0.62% |
| Q4 2024 | $675.5M | $584.0M | $449.4M | $42.1M | $1.4M | 0.21% | 2.45% | 0.78% |
| Q3 2024 | $695.5M | $565.8M | $459.1M | $46.6M | $1.3M | 0.24% | 2.40% | 0.74% |
Loan mix (Q2 2026): real estate $364.5M · commercial $62.4M · consumer $3.0M · securities $152.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pennian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 61.2% | 95th |
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 | Pennian 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 | Pennian 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 | Pennian 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 | Pennian 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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