| Metric | Petit Jean State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +9.7% | +5.6% | +4.1 pts |
| ROA | 1.97% | 1.24% | +0.7 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $260.0M | $210.5M | $141.1M | $44.1M | $2.5M | 1.97% | 4.14% | 0.35% |
| Q1 2026 | $262.0M | $212.5M | $140.4M | $42.8M | $1.2M | 1.94% | 4.07% | 0.32% |
| Q4 2025 | $250.3M | $201.5M | $134.9M | $43.1M | $4.4M | 1.81% | 4.09% | 0.34% |
| Q3 2025 | $248.5M | $200.2M | $133.0M | $42.1M | $3.5M | 1.89% | 4.02% | 0.34% |
| Q2 2025 | $246.2M | $198.7M | $128.6M | $40.9M | $2.2M | 1.82% | 3.96% | 0.06% |
| Q1 2025 | $242.7M | $195.8M | $121.6M | $39.7M | $1.0M | 1.75% | 3.88% | 0.06% |
| Q4 2024 | $236.2M | $191.1M | $121.1M | $40.1M | $4.1M | 1.75% | 3.89% | 0.14% |
| Q3 2024 | $240.0M | $196.0M | $126.1M | $39.0M | $3.1M | 1.73% | 3.81% | 0.14% |
Loan mix (Q2 2026): real estate $97.7M · commercial $39.9M · consumer $4.6M · securities $62.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Petit Jean State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.0% | 62.9% | 4th |
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 | Petit Jean State 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 | Petit Jean State 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 | Petit Jean State 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 | Petit Jean State 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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