| Metric | Port Richmond Savings | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.0% | -2.3 pts |
| Deposit growth (YoY) | +4.3% | +2.5% | +1.8 pts |
| Loan growth (YoY) | +1.9% | +2.6% | -0.7 pts |
| ROA | 2.39% | 0.99% | +1.4 pts |
| ROE | 10.9% | 8.1% | +2.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.2M | $60.8M | $87.0M | $21.9M | $1.2M | 2.39% | 4.60% | 1.44% |
| Q1 2026 | $97.1M | $60.5M | $83.2M | $21.3M | $636K | 2.61% | 4.66% | 0.63% |
| Q4 2025 | $97.6M | $59.7M | $85.8M | $20.7M | $1.1M | 1.10% | 4.76% | 0.63% |
| Q3 2025 | $98.7M | $59.6M | $85.7M | $21.7M | $2.0M | 2.78% | 4.73% | 0.65% |
| Q2 2025 | $96.4M | $58.3M | $85.4M | $21.0M | $1.4M | 2.77% | 4.71% | 0.66% |
| Q1 2025 | $98.8M | $60.8M | $87.1M | $20.3M | $720K | 2.92% | 4.74% | 0.64% |
| Q4 2024 | $98.6M | $59.5M | $88.6M | $19.6M | $953K | 0.97% | 4.98% | 0.62% |
| Q3 2024 | $95.2M | $56.9M | $87.6M | $20.8M | $2.1M | 2.87% | 5.00% | 0.64% |
Loan mix (Q2 2026): real estate $83.5M · commercial $4.7M · consumer $0 · securities $0
| Ratio | Port Richmond Savings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.39% | 0.99% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 8.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 70.8% | 5th |
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 | Port Richmond Savings | 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 | Port Richmond Savings | 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 | Port Richmond Savings | 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 | Port Richmond Savings | 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.