| Metric | PremierBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | +8.1% | +5.3% | +2.7 pts |
| ROA | 1.10% | 1.28% | -0.2 pts |
| ROE | 13.1% | 12.4% | +0.6 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $583.9M | $444.2M | $384.6M | $50.3M | $3.2M | 1.10% | 3.74% | 0.18% |
| Q1 2026 | $586.0M | $456.6M | $368.9M | $48.1M | $1.5M | 1.03% | 3.63% | 0.25% |
| Q4 2025 | $580.0M | $452.8M | $363.2M | $48.3M | $4.4M | 0.77% | 3.45% | 0.26% |
| Q3 2025 | $560.7M | $447.8M | $357.1M | $46.3M | $2.6M | 0.62% | 3.39% | 0.19% |
| Q2 2025 | $558.3M | $450.8M | $355.9M | $42.5M | $1.2M | 0.43% | 3.31% | 0.23% |
| Q1 2025 | $581.9M | $461.7M | $346.7M | $40.6M | $14K | 0.01% | 3.16% | 0.20% |
| Q4 2024 | $558.9M | $467.7M | $341.9M | $39.5M | $2.1M | 0.38% | 2.92% | 0.21% |
| Q3 2024 | $561.3M | $461.6M | $332.8M | $44.5M | $1.6M | 0.38% | 2.79% | 0.22% |
Loan mix (Q2 2026): real estate $349.2M · commercial $30.8M · consumer $4.1M · securities $145.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PremierBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.28% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 61.2% | 64th |
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 | PremierBank | 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 | PremierBank | 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 | PremierBank | 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 | PremierBank | 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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