| Metric | Plains Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.5% | -1.8 pts |
| Deposit growth (YoY) | +6.1% | +5.1% | +1.1 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.4 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 12.7% | 12.2% | +0.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.30B | $1.08B | $1.07B | $139.9M | $8.8M | 1.34% | 3.63% | 1.09% |
| Q1 2026 | $1.35B | $1.07B | $1.10B | $139.3M | $5.3M | 1.59% | 3.41% | 1.19% |
| Q4 2025 | $1.31B | $1.05B | $1.08B | $138.5M | $14.5M | 1.14% | 3.38% | 1.10% |
| Q3 2025 | $1.30B | $1.04B | $1.08B | $137.1M | $9.8M | 1.03% | 3.31% | 1.18% |
| Q2 2025 | $1.25B | $1.02B | $1.02B | $133.7M | $5.0M | 0.80% | 3.26% | 1.41% |
| Q1 2025 | $1.23B | $990.0M | $1.01B | $130.9M | $596K | 0.19% | 3.21% | 1.26% |
| Q4 2024 | $1.27B | $1.01B | $1.03B | $130.3M | $7.7M | 0.62% | 3.07% | 0.99% |
| Q3 2024 | $1.24B | $1.01B | $1.03B | $128.9M | $5.0M | 0.55% | 3.06% | 1.15% |
Loan mix (Q2 2026): real estate $819.3M · commercial $65.2M · consumer $12.0M · securities $90.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Plains Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
44th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 59.0% | 96th |
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 | Plains Commerce 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 | Plains Commerce 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 | Plains Commerce 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 | Plains Commerce 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.