| Metric | Primebank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +4.6% | +4.3% | +0.2 pts |
| Loan growth (YoY) | +10.2% | +5.3% | +4.8 pts |
| ROA | 2.15% | 1.28% | +0.9 pts |
| ROE | 20.4% | 12.4% | +7.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $800.6M | $692.5M | $723.0M | $85.4M | $8.4M | 2.15% | 3.71% | 1.72% |
| Q1 2026 | $783.8M | $693.1M | $713.0M | $82.7M | $4.0M | 2.04% | 3.60% | 1.83% |
| Q4 2025 | $772.9M | $682.0M | $703.4M | $80.8M | $12.5M | 1.66% | 3.20% | 1.68% |
| Q3 2025 | $770.5M | $681.9M | $672.4M | $79.5M | $10.6M | 1.88% | 3.46% | 1.67% |
| Q2 2025 | $747.3M | $662.3M | $656.2M | $75.9M | $6.4M | 1.71% | 3.27% | 2.38% |
| Q1 2025 | $753.9M | $672.3M | $654.7M | $72.8M | $2.8M | 1.53% | 3.16% | 0.99% |
| Q4 2024 | $732.4M | $642.9M | $655.9M | $70.4M | $9.2M | 1.28% | 2.79% | 0.90% |
| Q3 2024 | $722.7M | $626.6M | $639.9M | $69.8M | $6.7M | 1.25% | 2.76% | 1.15% |
Loan mix (Q2 2026): real estate $499.4M · commercial $82.7M · consumer $7.8M · securities $47.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Primebank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 1.28% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.5% | 61.2% | 8th |
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 | Primebank | 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 | Primebank | 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 | Primebank | 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 | Primebank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.