| Metric | Pike National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +26.0% | +5.6% | +20.4 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 9.4% | 11.9% | -2.4 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 | $408.8M | $358.0M | $230.8M | $43.2M | $2.0M | 1.00% | 3.83% | 0.39% |
| Q1 2026 | $405.1M | $360.6M | $203.5M | $42.0M | $933K | 0.95% | 3.63% | 0.41% |
| Q4 2025 | $382.9M | $326.2M | $196.3M | $41.6M | $3.9M | 1.02% | 3.69% | 0.34% |
| Q3 2025 | $381.1M | $335.5M | $189.9M | $42.6M | $3.0M | 1.04% | 3.64% | 0.42% |
| Q2 2025 | $386.8M | $343.1M | $183.2M | $40.7M | $2.1M | 1.07% | 3.59% | 0.36% |
| Q1 2025 | $396.6M | $354.8M | $183.9M | $39.0M | $866K | 0.90% | 3.55% | 0.33% |
| Q4 2024 | $373.2M | $331.3M | $177.8M | $36.9M | $3.6M | 0.97% | 3.48% | 0.35% |
| Q3 2024 | $368.3M | $324.5M | $178.3M | $40.6M | $2.7M | 0.95% | 3.44% | 0.46% |
Loan mix (Q2 2026): real estate $185.9M · commercial $29.2M · consumer $14.7M · securities $131.2M
| Ratio | Pike National 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 | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 62.9% | 60th |
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 | Pike National 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 | Pike National 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 | Pike National 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 | Pike National 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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