| Metric | Phenix-Girard Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.5 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 43.9% | 11.9% | +32.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342.3M | $323.6M | $81.2M | $9.0M | $1.8M | 1.04% | 2.83% | 0.12% |
| Q1 2026 | $343.8M | $327.4M | $78.7M | $6.8M | $690K | 0.80% | 2.85% | 0.09% |
| Q4 2025 | $345.4M | $327.9M | $81.1M | $8.8M | $3.0M | 0.92% | 2.75% | 0.00% |
| Q3 2025 | $327.2M | $309.4M | $82.1M | $8.3M | $2.2M | 0.90% | 2.75% | 0.35% |
| Q2 2025 | $323.3M | $311.0M | $81.1M | $3.1M | $1.5M | 0.93% | 2.73% | 0.11% |
| Q1 2025 | $321.2M | $309.9M | $80.0M | $3.3M | $716K | 0.91% | 2.72% | 0.11% |
| Q4 2024 | $310.0M | $303.3M | $75.9M | $-720K | $2.3M | 0.79% | 2.61% | 0.26% |
| Q3 2024 | $296.3M | $280.3M | $74.4M | $8.8M | $1.7M | 0.78% | 2.62% | 0.28% |
Loan mix (Q2 2026): real estate $78.1M · commercial $3.0M · consumer $404K · securities $223.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Phenix-Girard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 43.9% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 57th |
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 | Phenix-Girard 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 | Phenix-Girard 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 | Phenix-Girard 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 | Phenix-Girard Bank | 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.