| Metric | Premier Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.9% | -2.0 pts |
| Deposit growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| Loan growth (YoY) | +2.3% | +5.3% | -3.0 pts |
| ROA | 0.57% | 1.28% | -0.7 pts |
| ROE | 7.6% | 12.4% | -4.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $552.1M | $486.6M | $390.1M | $42.4M | $1.6M | 0.57% | 3.79% | 0.65% |
| Q1 2026 | $562.2M | $495.4M | $389.6M | $41.7M | $786K | 0.56% | 3.72% | 0.05% |
| Q4 2025 | $551.4M | $484.1M | $373.6M | $41.4M | $3.0M | 0.56% | 3.62% | 0.05% |
| Q3 2025 | $532.8M | $467.9M | $379.0M | $40.3M | $2.2M | 0.54% | 3.56% | 0.05% |
| Q2 2025 | $536.3M | $478.7M | $381.3M | $38.9M | $1.4M | 0.51% | 3.45% | 0.05% |
| Q1 2025 | $541.6M | $485.5M | $370.7M | $37.6M | $696K | 0.52% | 3.32% | 0.05% |
| Q4 2024 | $536.2M | $471.0M | $365.4M | $35.9M | $3.3M | 0.63% | 3.43% | 0.05% |
| Q3 2024 | $534.6M | $468.5M | $358.6M | $36.7M | $2.1M | 0.56% | 3.26% | 0.13% |
Loan mix (Q2 2026): real estate $341.4M · commercial $20.2M · consumer $5.8M · securities $100.2M
| Ratio | Premier Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 61.2% | 89th |
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 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 | Premier 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 | Premier 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 | Premier 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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