| Metric | Princeville State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +4.4% | +10.7 pts |
| Deposit growth (YoY) | +11.1% | +4.0% | +7.2 pts |
| Loan growth (YoY) | +19.4% | +5.6% | +13.8 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.4M | $102.6M | $69.2M | $16.3M | $891K | 1.46% | 4.42% | 3.70% |
| Q1 2026 | $120.4M | $98.3M | $65.7M | $16.5M | $432K | 1.43% | 4.37% | 2.03% |
| Q4 2025 | $121.0M | $99.2M | $62.3M | $16.2M | $1.7M | 1.53% | 4.42% | 2.01% |
| Q3 2025 | $115.3M | $93.4M | $59.7M | $16.1M | $627K | 0.75% | 4.68% | 2.08% |
| Q2 2025 | $108.1M | $92.4M | $57.9M | $15.1M | $149K | 0.27% | 4.54% | 2.23% |
| Q1 2025 | $112.3M | $96.8M | $55.4M | $14.8M | $-295K | -1.06% | 4.46% | 0.38% |
| Q4 2024 | $109.9M | $103.3M | $58.5M | $5.5M | $-238K | -0.21% | 2.78% | 0.44% |
| Q3 2024 | $114.0M | $105.5M | $58.0M | $6.9M | $-90K | -0.11% | 2.73% | 0.44% |
Loan mix (Q2 2026): real estate $40.6M · commercial $16.6M · consumer $6.7M · securities $35.5M
| Ratio | Princeville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 62.9% | 24th |
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 | Princeville State 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 | Princeville State 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 | Princeville State 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 | Princeville State Bank | 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.