| Metric | Pineland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.4 pts |
| ROA | 1.66% | 1.28% | +0.4 pts |
| ROE | 16.5% | 12.4% | +4.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $597.1M | $532.6M | $416.4M | $60.4M | $4.8M | 1.66% | 5.15% | 0.35% |
| Q1 2026 | $569.6M | $504.3M | $408.9M | $58.1M | $2.4M | 1.67% | 5.20% | 0.63% |
| Q4 2025 | $569.9M | $509.0M | $398.1M | $56.1M | $9.1M | 1.61% | 5.21% | 1.33% |
| Q3 2025 | $573.3M | $513.2M | $414.3M | $54.8M | $6.6M | 1.56% | 5.19% | 0.70% |
| Q2 2025 | $578.9M | $521.9M | $396.7M | $52.1M | $4.1M | 1.49% | 5.08% | 0.57% |
| Q1 2025 | $555.4M | $500.0M | $389.9M | $50.0M | $2.0M | 1.49% | 5.06% | 0.56% |
| Q4 2024 | $533.9M | $481.6M | $374.5M | $47.8M | $6.6M | 1.36% | 5.21% | 0.63% |
| Q3 2024 | $487.8M | $435.0M | $355.8M | $47.1M | $4.7M | 1.32% | 5.23% | 0.57% |
Loan mix (Q2 2026): real estate $365.5M · commercial $37.6M · consumer $8.7M · securities $58.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pineland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.28% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 12.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 61.2% | 36th |
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 | Pineland 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 | Pineland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Pineland 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 | Pineland 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 | Pineland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
9 branches in 6 counties across 2 states (+0 vs 2024) · $521.9M branch deposits. Biggest market: Bacon, GA, ranked 2nd with 33.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bacon, GA | 2 | $130.6M | 33.48% | 2nd |
| Appling, GA | 1 | $118.8M | 20.75% | 2nd |
| Coffee, GA | 1 | $108.6M | 7.55% | 7th |
| 3 more counties with Pro → | ||||
Georgia: 67th with 0.13% · Florida: 254th with 0.00% · Jacksonville metro: 44th, 0.03% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9