| Metric | Prevail Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | +0.1 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Loan growth (YoY) | +4.2% | +5.9% | -1.7 pts |
| ROA | 0.45% | 1.26% | -0.8 pts |
| ROE | 3.4% | 12.2% | -8.8 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $786.8M | $734.2M | $136.4M | $2.3M | 0.45% | 2.87% | 0.15% |
| Q1 2026 | $1.01B | $757.7M | $743.2M | $133.5M | $645K | 0.26% | 2.77% | 0.11% |
| Q4 2025 | $979.2M | $748.2M | $721.3M | $134.4M | $3.5M | 0.36% | 2.50% | 0.12% |
| Q3 2025 | $978.2M | $740.9M | $711.3M | $131.3M | $2.0M | 0.27% | 2.42% | 0.12% |
| Q2 2025 | $974.2M | $745.7M | $704.5M | $127.5M | $823K | 0.17% | 2.28% | 0.15% |
| Q1 2025 | $971.4M | $754.8M | $687.4M | $125.8M | $170K | 0.07% | 2.16% | 0.16% |
| Q4 2024 | $964.3M | $743.5M | $670.2M | $124.9M | $595K | 0.06% | 2.00% | 0.08% |
| Q3 2024 | $951.1M | $708.1M | $664.5M | $127.4M | $49K | 0.01% | 1.94% | 0.09% |
Loan mix (Q2 2026): real estate $685.9M · commercial $38.0M · consumer $10.6M · securities $165.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Prevail Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 59.0% | 93th |
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 | Prevail 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 | Prevail 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 | Prevail 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 | Prevail 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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