| Metric | Prime Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +10.6% | +5.6% | +5.0 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 11.6% | 11.9% | -0.2 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.5M | $131.3M | $133.4M | $12.8M | $745K | 1.00% | 3.77% | 1.33% |
| Q1 2026 | $148.6M | $125.1M | $127.1M | $13.0M | $536K | 1.46% | 3.75% | 0.94% |
| Q4 2025 | $145.5M | $127.5M | $125.4M | $12.7M | $1.7M | 1.20% | 3.64% | 1.15% |
| Q3 2025 | $145.5M | $126.8M | $124.6M | $12.6M | $1.4M | 1.28% | 3.61% | 1.09% |
| Q2 2025 | $147.0M | $127.3M | $120.6M | $12.5M | $891K | 1.25% | 3.48% | 1.02% |
| Q1 2025 | $144.0M | $123.2M | $120.4M | $11.4M | $502K | 1.43% | 3.37% | 1.01% |
| Q4 2024 | $136.2M | $114.0M | $116.5M | $11.0M | $1.1M | 0.82% | 3.45% | 1.33% |
| Q3 2024 | $133.7M | $113.7M | $113.2M | $10.8M | $778K | 0.76% | 3.38% | 1.39% |
Loan mix (Q2 2026): real estate $120.3M · commercial $8.7M · consumer $2.7M · securities $3.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Prime Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 62.9% | 72th |
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 Security 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 Security 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 Security 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 Security 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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