| Metric | Preferred Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | -1.7% | +4.0% | -5.6 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.2 pts |
| ROA | 1.25% | 1.24% | +0.0 pts |
| ROE | 27.2% | 11.9% | +15.3 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 | $134.5M | $126.2M | $62.0M | $6.0M | $837K | 1.25% | 3.60% | 0.08% |
| Q1 2026 | $138.1M | $128.9M | $60.7M | $6.2M | $417K | 1.24% | 3.56% | 0.48% |
| Q4 2025 | $130.8M | $119.8M | $60.9M | $6.3M | $1.5M | 1.12% | 3.53% | 0.47% |
| Q3 2025 | $131.0M | $121.9M | $59.3M | $5.9M | $1.2M | 1.15% | 3.47% | 0.00% |
| Q2 2025 | $133.1M | $128.4M | $57.5M | $4.5M | $689K | 1.03% | 3.39% | 0.04% |
| Q1 2025 | $137.8M | $129.4M | $54.1M | $4.7M | $318K | 0.94% | 3.29% | 0.10% |
| Q4 2024 | $132.4M | $121.6M | $52.0M | $4.6M | $1.2M | 0.91% | 3.14% | 0.01% |
| Q3 2024 | $138.7M | $125.9M | $51.3M | $5.8M | $986K | 0.96% | 3.08% | 0.01% |
Loan mix (Q2 2026): real estate $50.9M · commercial $3.8M · consumer $3.1M · securities $55.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Preferred Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 27.2% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 62.9% | 62th |
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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