| Metric | Prism Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.0% | +4.9% | +34.1 pts |
| Deposit growth (YoY) | +39.6% | +4.3% | +35.3 pts |
| Loan growth (YoY) | +37.0% | +5.3% | +31.6 pts |
| ROA | 0.91% | 1.28% | -0.4 pts |
| ROE | 9.5% | 12.4% | -2.9 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $720.9M | $639.6M | $609.5M | $68.1M | $3.0M | 0.91% | 3.43% | 0.42% |
| Q1 2026 | $640.7M | $553.4M | $555.0M | $64.8M | $1.4M | 0.85% | 3.47% | 0.56% |
| Q4 2025 | $645.3M | $575.4M | $545.2M | $58.4M | $5.2M | 0.98% | 3.85% | 0.54% |
| Q3 2025 | $562.1M | $503.0M | $475.4M | $54.9M | $3.8M | 1.00% | 3.96% | 0.51% |
| Q2 2025 | $518.6M | $458.1M | $445.0M | $51.8M | $1.9M | 0.78% | 3.65% | 0.61% |
| Q1 2025 | $468.6M | $405.5M | $399.6M | $50.4M | $813K | 0.70% | 3.47% | 0.39% |
| Q4 2024 | $459.7M | $394.6M | $390.4M | $48.1M | $1.1M | 0.30% | 3.54% | 0.75% |
| Q3 2024 | $393.5M | $345.7M | $332.7M | $45.2M | $788K | 0.31% | 3.57% | 0.46% |
Loan mix (Q2 2026): real estate $367.0M · commercial $248.0M · consumer $1.2M · securities $47.3M
| Ratio | Prism Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 61.2% | 47th |
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 | Prism 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 | Prism 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 | Prism 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 | Prism 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.