| Metric | Prime Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +5.5% | +6.2 pts |
| Deposit growth (YoY) | +9.0% | +5.1% | +4.0 pts |
| Loan growth (YoY) | +11.6% | +5.9% | +5.7 pts |
| ROA | 3.41% | 1.26% | +2.1 pts |
| ROE | 33.3% | 12.2% | +21.1 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $966.1M | $858.6M | $116.5M | $18.3M | 3.41% | 4.93% | 1.30% |
| Q1 2026 | $1.06B | $945.6M | $817.4M | $110.8M | $9.6M | 3.59% | 4.91% | 1.37% |
| Q4 2025 | $1.07B | $968.3M | $823.8M | $101.8M | $23.5M | 2.43% | 4.73% | 1.56% |
| Q3 2025 | $1.07B | $968.8M | $838.8M | $93.6M | $15.9M | 2.25% | 4.59% | 1.91% |
| Q2 2025 | $972.9M | $886.1M | $769.2M | $83.7M | $9.0M | 2.01% | 4.47% | 1.78% |
| Q1 2025 | $886.7M | $804.3M | $684.9M | $79.4M | $4.1M | 1.90% | 4.21% | 1.72% |
| Q4 2024 | $842.8M | $764.8M | $644.1M | $75.0M | $16.1M | 2.10% | 4.16% | 0.93% |
| Q3 2024 | $787.1M | $704.0M | $578.5M | $80.1M | $14.2M | 2.53% | 4.15% | 1.34% |
Loan mix (Q2 2026): real estate $33.8M · commercial $576.5M · consumer $0 · securities $175.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Prime Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.41% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 33.3% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 20.6% | 59.0% | 1st |
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 | Prime Alliance 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 | Prime Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Prime Alliance 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 | Prime Alliance 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 | Prime Alliance 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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