| Metric | Pentucket Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Loan growth (YoY) | +3.7% | +5.9% | -2.3 pts |
| ROA | 0.74% | 1.26% | -0.5 pts |
| ROE | 7.0% | 12.2% | -5.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.12B | $877.9M | $890.4M | $119.8M | $4.1M | 0.74% | 2.77% | 0.63% |
| Q1 2026 | $1.11B | $877.9M | $888.7M | $116.7M | $1.0M | 0.37% | 2.71% | 0.60% |
| Q4 2025 | $1.11B | $880.2M | $888.9M | $115.4M | $3.8M | 0.35% | 2.60% | 0.57% |
| Q3 2025 | $1.11B | $874.8M | $884.3M | $112.5M | $2.8M | 0.35% | 2.55% | 0.56% |
| Q2 2025 | $1.08B | $859.3M | $858.9M | $109.8M | $1.5M | 0.28% | 2.49% | 0.61% |
| Q1 2025 | $1.08B | $856.8M | $856.8M | $108.2M | $105K | 0.04% | 2.40% | 0.70% |
| Q4 2024 | $1.08B | $838.5M | $858.8M | $106.5M | $3.4M | 0.32% | 2.39% | 0.59% |
| Q3 2024 | $1.08B | $834.5M | $853.4M | $108.7M | $3.1M | 0.39% | 2.39% | 0.55% |
Loan mix (Q2 2026): real estate $830.8M · commercial $56.1M · consumer $3.0M · securities $145.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pentucket Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 59.0% | 97th |
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 | Pentucket 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 | Pentucket 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 | Pentucket 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 | Pentucket 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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