| Metric | Potomac Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +4.4% | +5.3% | -0.9 pts |
| ROA | 1.40% | 1.28% | +0.1 pts |
| ROE | 14.5% | 12.4% | +2.1 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 | $980.2M | $847.9M | $767.1M | $95.3M | $6.7M | 1.40% | 3.88% | 0.06% |
| Q1 2026 | $975.4M | $845.6M | $752.3M | $93.0M | $3.2M | 1.35% | 3.75% | 0.03% |
| Q4 2025 | $943.0M | $813.1M | $746.6M | $90.9M | $9.6M | 1.04% | 3.70% | 0.00% |
| Q3 2025 | $960.9M | $833.5M | $727.6M | $88.9M | $7.0M | 1.03% | 3.59% | 0.22% |
| Q2 2025 | $919.2M | $795.0M | $734.7M | $86.2M | $4.6M | 1.02% | 3.56% | 0.26% |
| Q1 2025 | $894.9M | $772.5M | $711.4M | $84.7M | $2.4M | 1.06% | 3.55% | 0.25% |
| Q4 2024 | $875.9M | $754.5M | $698.6M | $82.1M | $7.4M | 0.86% | 3.39% | 0.31% |
| Q3 2024 | $870.3M | $749.8M | $680.8M | $81.1M | $5.3M | 0.83% | 3.35% | 0.30% |
Loan mix (Q2 2026): real estate $702.1M · commercial $63.0M · consumer $2.8M · securities $96.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Potomac Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.28% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 61.2% | 48th |
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 | Potomac 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 | Potomac 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 | Potomac 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 | Potomac 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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