| Metric | Pilgrim Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.9% | -5.8 pts |
| Deposit growth (YoY) | -3.5% | +4.3% | -7.8 pts |
| Loan growth (YoY) | -4.9% | +5.3% | -10.2 pts |
| ROA | 0.58% | 1.28% | -0.7 pts |
| ROE | 6.2% | 12.4% | -6.2 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $714.6M | $578.4M | $460.8M | $66.4M | $2.1M | 0.58% | 2.92% | 0.10% |
| Q1 2026 | $723.6M | $592.9M | $470.8M | $67.2M | $1.2M | 0.66% | 2.84% | 0.23% |
| Q4 2025 | $723.0M | $588.2M | $480.9M | $68.2M | $5.3M | 0.74% | 2.71% | 0.28% |
| Q3 2025 | $721.3M | $584.3M | $475.2M | $67.7M | $3.8M | 0.71% | 2.66% | 0.00% |
| Q2 2025 | $720.6M | $599.2M | $484.5M | $64.8M | $2.5M | 0.70% | 2.63% | 0.00% |
| Q1 2025 | $720.0M | $589.2M | $494.8M | $63.7M | $1.2M | 0.68% | 2.60% | 0.00% |
| Q4 2024 | $692.9M | $556.2M | $483.3M | $61.8M | $4.8M | 0.69% | 2.71% | 0.01% |
| Q3 2024 | $700.0M | $566.0M | $479.4M | $63.9M | $3.9M | 0.75% | 2.74% | 0.02% |
Loan mix (Q2 2026): real estate $428.4M · commercial $14.9M · consumer $3.6M · securities $193.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pilgrim Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 61.2% | 83th |
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 | Pilgrim 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 | Pilgrim 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 | Pilgrim 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 | Pilgrim 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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