| Metric | Piermont Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +10.1% | +5.3% | +4.8 pts |
| ROA | -1.96% | 1.28% | -3.2 pts |
| ROE | -16.3% | 12.4% | -28.8 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $505.1M | $386.4M | $321.9M | $58.6M | $-4.9M | -1.96% | 2.27% | 0.00% |
| Q1 2026 | $474.4M | $365.1M | $301.8M | $59.5M | $-2.4M | -1.95% | 2.15% | 0.34% |
| Q4 2025 | $519.7M | $397.3M | $290.2M | $62.0M | $-4.6M | -0.90% | 2.10% | 0.31% |
| Q3 2025 | $496.2M | $366.8M | $279.0M | $63.3M | $-2.7M | -0.72% | 2.13% | 1.38% |
| Q2 2025 | $498.3M | $377.4M | $292.3M | $64.5M | $-768K | -0.30% | 2.22% | 1.37% |
| Q1 2025 | $488.7M | $368.3M | $300.1M | $63.5M | $-1.2M | -0.89% | 1.95% | 2.17% |
| Q4 2024 | $550.7M | $406.7M | $304.1M | $63.4M | $-5.3M | -0.94% | 2.92% | 1.24% |
| Q3 2024 | $550.4M | $420.8M | $313.3M | $70.7M | $391K | 0.09% | 3.06% | 3.77% |
Loan mix (Q2 2026): real estate $277.3M · commercial $22.8M · consumer $0 · securities $74.2M
| Ratio | Piermont Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.96% | 1.28% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -16.3% | 12.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 159.1% | 61.2% | 100th |
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 | Piermont 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 | Piermont 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 | Piermont 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 | Piermont 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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