| Metric | Prospect Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.9% | -1.1 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +0.1% | +5.3% | -5.3 pts |
| ROA | 0.26% | 1.28% | -1.0 pts |
| ROE | 4.3% | 12.4% | -8.2 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $715.6M | $603.4M | $469.9M | $43.5M | $911K | 0.26% | 2.73% | 0.33% |
| Q1 2026 | $701.4M | $592.6M | $444.4M | $41.9M | $299K | 0.17% | 2.69% | 0.34% |
| Q4 2025 | $676.0M | $568.7M | $445.1M | $42.4M | $1.2M | 0.17% | 2.48% | 0.69% |
| Q3 2025 | $705.5M | $603.1M | $441.8M | $40.3M | $803K | 0.15% | 2.44% | 0.51% |
| Q2 2025 | $689.1M | $589.4M | $469.7M | $38.2M | $1.0M | 0.28% | 2.41% | 0.55% |
| Q1 2025 | $720.8M | $610.8M | $485.9M | $36.2M | $721K | 0.40% | 2.31% | 0.50% |
| Q4 2024 | $724.9M | $601.8M | $498.1M | $32.6M | $-1.4M | -0.19% | 2.04% | 0.49% |
| Q3 2024 | $755.8M | $607.8M | $512.5M | $36.7M | $-2.1M | -0.37% | 1.98% | 0.49% |
Loan mix (Q2 2026): real estate $388.5M · commercial $47.7M · consumer $2.6M · securities $184.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Prospect Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 12.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 61.2% | 97th |
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 | Prospect 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 | Prospect 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 | Prospect 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 | Prospect 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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