| Metric | Perennial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.1M | $144.6M | $64.5M | $12.7M | $783K | 1.00% | 2.99% | 0.56% |
| Q1 2026 | $155.9M | $142.9M | $61.0M | $12.2M | $387K | 0.99% | 2.93% | 0.36% |
| Q4 2025 | $156.7M | $143.4M | $61.7M | $12.5M | $1.4M | 0.97% | 2.94% | 0.26% |
| Q3 2025 | $149.7M | $136.9M | $60.9M | $11.7M | $1.1M | 0.99% | 2.92% | 0.37% |
| Q2 2025 | $148.5M | $136.7M | $60.5M | $10.9M | $697K | 0.96% | 2.87% | 0.15% |
| Q1 2025 | $145.5M | $134.6M | $58.4M | $10.1M | $339K | 0.94% | 2.79% | 0.23% |
| Q4 2024 | $142.7M | $132.7M | $56.5M | $9.3M | $1.2M | 0.86% | 2.73% | 0.15% |
| Q3 2024 | $138.6M | $127.7M | $56.0M | $10.1M | $887K | 0.84% | 2.69% | 0.32% |
Loan mix (Q2 2026): real estate $46.7M · commercial $8.4M · consumer $5.7M · securities $61.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Perennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
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 | Perennial 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 | Perennial 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 | Perennial 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 | Perennial 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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