| Metric | PrinsBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.3% | +4.4% | +34.9 pts |
| Deposit growth (YoY) | +43.7% | +4.0% | +39.8 pts |
| Loan growth (YoY) | +50.2% | +5.6% | +44.6 pts |
| ROA | 2.99% | 1.24% | +1.8 pts |
| ROE | 25.2% | 11.9% | +13.3 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 | $308.3M | $262.9M | $178.8M | $37.7M | $4.5M | 2.99% | 4.42% | 0.18% |
| Q1 2026 | $296.2M | $255.9M | $173.0M | $34.4M | $1.2M | 1.62% | 4.59% | 0.84% |
| Q4 2025 | $210.1M | $181.3M | $136.9M | $24.7M | $4.1M | 1.95% | 4.68% | 0.48% |
| Q3 2025 | $198.5M | $167.2M | $131.6M | $23.8M | $3.3M | 2.06% | 4.71% | 0.60% |
| Q2 2025 | $221.3M | $182.9M | $119.0M | $32.9M | $2.1M | 1.93% | 4.32% | 1.28% |
| Q1 2025 | $218.4M | $181.7M | $117.7M | $31.9M | $1.1M | 2.09% | 4.67% | 1.74% |
| Q4 2024 | $204.4M | $168.9M | $125.3M | $32.3M | $4.0M | 2.07% | 4.48% | 1.30% |
| Q3 2024 | $194.2M | $156.9M | $133.4M | $31.5M | $3.0M | 2.09% | 4.70% | 1.86% |
Loan mix (Q2 2026): real estate $156.4M · commercial $15.9M · consumer $1.6M · securities $36.9M
| Ratio | PrinsBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.99% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 25.2% | 11.9% | 96th | |
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 | 56.2% | 62.9% | 30th |
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 | PrinsBank | 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 | PrinsBank | 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 | PrinsBank | 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 | PrinsBank | 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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