| Metric | Premier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +4.9% | +10.4 pts |
| Deposit growth (YoY) | +14.0% | +4.3% | +9.7 pts |
| Loan growth (YoY) | +13.1% | +5.3% | +7.8 pts |
| ROA | 2.24% | 1.28% | +1.0 pts |
| ROE | 21.9% | 12.4% | +9.4 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $826.5M | $671.7M | $706.1M | $87.3M | $9.1M | 2.24% | 4.09% | 1.31% |
| Q1 2026 | $847.9M | $700.0M | $729.4M | $85.5M | $4.3M | 2.15% | 4.04% | 0.47% |
| Q4 2025 | $764.1M | $628.9M | $661.9M | $77.1M | $15.3M | 2.11% | 3.82% | 0.48% |
| Q3 2025 | $744.8M | $612.6M | $635.3M | $74.5M | $11.8M | 2.20% | 3.85% | 0.41% |
| Q2 2025 | $716.5M | $589.3M | $624.0M | $71.0M | $7.5M | 2.12% | 3.80% | 0.42% |
| Q1 2025 | $710.9M | $587.9M | $607.0M | $70.3M | $3.6M | 2.09% | 3.65% | 0.48% |
| Q4 2024 | $681.8M | $561.9M | $587.8M | $67.2M | $12.2M | 1.89% | 3.57% | 0.25% |
| Q3 2024 | $678.2M | $555.6M | $557.0M | $66.5M | $9.2M | 1.91% | 3.50% | 0.57% |
Loan mix (Q2 2026): real estate $311.6M · commercial $94.4M · consumer $10.7M · securities $54.4M
| Ratio | Premier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 1.28% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 61.2% | 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 | Premier 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 | Premier 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 | Premier 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 | Premier 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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