| Metric | Pine Country Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.4% | -5.1 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $380.3M | $335.1M | $242.2M | $43.9M | $2.7M | 1.40% | 4.37% | 0.04% |
| Q1 2026 | $388.0M | $340.1M | $236.9M | $46.5M | $1.2M | 1.29% | 4.28% | 0.43% |
| Q4 2025 | $383.6M | $336.8M | $235.3M | $45.4M | $4.5M | 1.16% | 4.04% | 0.10% |
| Q3 2025 | $388.9M | $343.1M | $229.2M | $44.1M | $3.1M | 1.07% | 3.90% | 0.36% |
| Q2 2025 | $383.2M | $340.1M | $224.1M | $41.5M | $2.1M | 1.08% | 3.85% | 0.14% |
| Q1 2025 | $384.6M | $340.5M | $225.1M | $41.8M | $940K | 0.97% | 3.68% | 0.21% |
| Q4 2024 | $246.0M | $217.1M | $149.6M | $27.8M | $3.4M | 1.37% | 4.50% | 0.13% |
| Q3 2024 | $253.7M | $212.2M | $150.8M | $32.5M | $2.7M | 1.43% | 4.45% | 0.13% |
Loan mix (Q2 2026): real estate $164.0M · commercial $48.8M · consumer $3.3M · securities $99.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pine Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 62.9% | 27th |
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 | Pine Country 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 | Pine Country 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 | Pine Country 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 | Pine Country 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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