| Metric | Pillar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -5.0 pts |
| ROA | 0.97% | 1.24% | -0.3 pts |
| ROE | 12.8% | 11.9% | +0.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $267.0M | $195.8M | $154.6M | $21.0M | $1.3M | 0.97% | 4.03% | 0.54% |
| Q1 2026 | $266.8M | $195.0M | $154.2M | $20.1M | $656K | 0.98% | 4.02% | 0.42% |
| Q4 2025 | $266.9M | $195.0M | $157.5M | $19.6M | $1.6M | 0.62% | 3.83% | 0.34% |
| Q3 2025 | $267.4M | $186.9M | $155.9M | $18.6M | $1.3M | 0.66% | 3.76% | 0.91% |
| Q2 2025 | $265.4M | $188.2M | $153.7M | $17.5M | $996K | 0.76% | 3.81% | 0.99% |
| Q1 2025 | $258.9M | $196.1M | $143.4M | $16.8M | $521K | 0.80% | 3.93% | 0.80% |
| Q4 2024 | $262.0M | $198.2M | $146.1M | $15.4M | $146K | 0.06% | 3.33% | 0.78% |
| Q3 2024 | $261.4M | $194.8M | $148.3M | $17.8M | $974K | 0.50% | 3.25% | 1.52% |
Loan mix (Q2 2026): real estate $107.3M · commercial $12.8M · consumer $3.6M · securities $81.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pillar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 69th |
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 | Pillar 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 | Pillar 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 | Pillar 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 | Pillar 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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