| Metric | Prairie Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.6 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 0.71% | 1.24% | -0.5 pts |
| ROE | 8.8% | 11.9% | -3.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $187.5M | $170.9M | $132.4M | $15.3M | $674K | 0.71% | 4.12% | 2.22% |
| Q1 2026 | $191.0M | $174.2M | $125.2M | $15.4M | $319K | 0.67% | 4.01% | 2.16% |
| Q4 2025 | $188.5M | $172.0M | $124.9M | $15.2M | $1.3M | 0.69% | 4.09% | 0.31% |
| Q3 2025 | $192.5M | $175.4M | $124.3M | $14.7M | $948K | 0.69% | 4.06% | 0.34% |
| Q2 2025 | $186.2M | $168.6M | $122.1M | $14.1M | $611K | 0.68% | 4.00% | 0.29% |
| Q1 2025 | $181.2M | $163.2M | $118.2M | $13.7M | $284K | 0.65% | 4.00% | 0.30% |
| Q4 2024 | $170.0M | $153.5M | $120.5M | $13.1M | $815K | 0.49% | 4.00% | 0.64% |
| Q3 2024 | $173.4M | $156.9M | $111.4M | $13.3M | $578K | 0.46% | 3.94% | 0.63% |
Loan mix (Q2 2026): real estate $119.5M · commercial $13.8M · consumer $486K · securities $27.3M
| Ratio | Prairie Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 62.9% | 85th |
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 | Prairie 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 | Prairie 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 | Prairie 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 | Prairie 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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