| Metric | PNB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.5 pts |
| Loan growth (YoY) | -3.2% | +5.6% | -8.8 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.2M | $140.3M | $106.9M | $13.8M | $970K | 1.24% | 4.84% | 0.03% |
| Q1 2026 | $154.7M | $139.5M | $106.7M | $13.8M | $535K | 1.37% | 4.84% | 0.03% |
| Q4 2025 | $157.7M | $143.1M | $107.7M | $13.4M | $2.0M | 1.26% | 4.85% | 0.04% |
| Q3 2025 | $153.3M | $138.3M | $108.1M | $13.6M | $1.5M | 1.27% | 4.90% | 0.05% |
| Q2 2025 | $157.0M | $142.5M | $110.4M | $13.0M | $997K | 1.27% | 4.89% | 0.93% |
| Q1 2025 | $158.9M | $144.4M | $115.6M | $12.8M | $486K | 1.24% | 4.90% | 2.21% |
| Q4 2024 | $155.2M | $141.7M | $114.2M | $11.8M | $1.4M | 0.89% | 4.68% | 0.97% |
| Q3 2024 | $156.0M | $141.2M | $113.0M | $12.9M | $1.1M | 0.91% | 4.67% | 0.97% |
Loan mix (Q2 2026): real estate $105.6M · commercial $1.7M · consumer $966K · securities $32.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th |
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 | PNB Community 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 | PNB Community 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 | PNB Community 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 | PNB Community 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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