| Metric | Preferred Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.0% | +2.5 pts |
| Deposit growth (YoY) | +5.5% | +2.5% | +3.0 pts |
| Loan growth (YoY) | +3.6% | +2.6% | +1.0 pts |
| ROA | 0.27% | 0.99% | -0.7 pts |
| ROE | 3.5% | 8.1% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.5M | $67.7M | $46.9M | $5.6M | $99K | 0.27% | 3.26% | 3.27% |
| Q1 2026 | $74.2M | $68.4M | $46.3M | $5.6M | $58K | 0.31% | 3.26% | 3.17% |
| Q4 2025 | $73.3M | $67.6M | $47.0M | $5.6M | $27K | 0.04% | 3.21% | 2.06% |
| Q3 2025 | $73.0M | $67.2M | $47.3M | $5.6M | $-3K | -0.01% | 3.22% | 3.81% |
| Q2 2025 | $69.6M | $64.1M | $45.3M | $5.3M | $4K | 0.01% | 3.15% | 1.61% |
| Q1 2025 | $68.1M | $62.7M | $43.5M | $5.3M | $-9K | -0.05% | 3.21% | 1.86% |
| Q4 2024 | $67.9M | $61.7M | $42.9M | $5.1M | $244K | 0.36% | 3.33% | 1.22% |
| Q3 2024 | $70.1M | $62.7M | $45.2M | $5.5M | $148K | 0.29% | 3.33% | 0.93% |
Loan mix (Q2 2026): real estate $25.4M · commercial $18.4M · consumer $3.1M · securities $12.5M
| Ratio | Preferred Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.99% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 8.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 70.8% | 84th |
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 | Preferred 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 | Preferred 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 | Preferred 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 | Preferred 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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