| Metric | Petefish, Skiles & Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +10.6% | +5.3% | +5.2 pts |
| ROA | 1.69% | 1.28% | +0.4 pts |
| ROE | 18.1% | 12.4% | +5.7 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $501.6M | $439.8M | $351.7M | $47.4M | $4.2M | 1.69% | 4.36% | 0.10% |
| Q1 2026 | $502.5M | $445.7M | $335.6M | $45.1M | $1.9M | 1.59% | 4.32% | 0.06% |
| Q4 2025 | $474.9M | $417.9M | $337.3M | $45.2M | $6.7M | 1.43% | 4.43% | 0.13% |
| Q3 2025 | $463.9M | $404.8M | $326.8M | $47.0M | $5.5M | 1.57% | 4.42% | 0.23% |
| Q2 2025 | $468.3M | $412.0M | $318.1M | $45.0M | $3.7M | 1.59% | 4.39% | 0.24% |
| Q1 2025 | $483.4M | $423.0M | $309.1M | $45.3M | $1.8M | 1.56% | 4.31% | 0.27% |
| Q4 2024 | $459.7M | $406.6M | $312.6M | $43.4M | $7.3M | 1.54% | 4.22% | 0.37% |
| Q3 2024 | $302.2M | $267.6M | $214.7M | $25.9M | $2.6M | 1.13% | 3.46% | 0.39% |
Loan mix (Q2 2026): real estate $246.1M · commercial $27.5M · consumer $25.4M · securities $76.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Petefish, Skiles & Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 61.2% | 50th |
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 | Petefish, Skiles & Co. | 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 | Petefish, Skiles & Co. | 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 | Petefish, Skiles & Co. | 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 | Petefish, Skiles & Co. | 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.