| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 0.59% | 1.24% | -0.7 pts |
| ROE | 3.8% | 11.9% | -8.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $110.8M | $93.1M | $73.0M | $17.0M | $324K | 0.59% | 4.62% | 0.00% |
| Q1 2026 | $110.7M | $93.1M | $70.7M | $16.9M | $147K | 0.53% | 4.36% | 0.00% |
| Q4 2025 | $109.9M | $92.4M | $69.6M | $16.8M | $734K | 0.69% | 4.53% | 0.00% |
| Q3 2025 | $111.7M | $94.3M | $69.6M | $16.6M | $565K | 0.71% | 4.49% | 0.00% |
| Q2 2025 | $106.7M | $89.7M | $68.8M | $16.3M | $378K | 0.73% | 4.47% | 0.00% |
| Q1 2025 | $103.8M | $87.0M | $66.3M | $16.1M | $191K | 0.74% | 4.28% | 0.00% |
| Q4 2024 | $101.8M | $85.4M | $63.3M | $15.7M | $-10K | -0.01% | 4.00% | 0.32% |
| Q3 2024 | $101.4M | $84.7M | $63.3M | $15.9M | $-76K | -0.10% | 3.90% | 0.00% |
Loan mix (Q2 2026): real estate $66.0M · commercial $6.7M · consumer $879K · securities $14.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pikes Peak National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 62.9% | 88th |
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 | Pikes Peak 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 | Pikes Peak 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 | Pikes Peak 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 | Pikes Peak 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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