| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +5.5% | -4.5 pts |
| Deposit growth (YoY) | +0.4% | +5.1% | -4.7 pts |
| Loan growth (YoY) | +0.3% | +5.9% | -5.7 pts |
| ROA | 1.64% | 1.26% | +0.4 pts |
| ROE | 13.6% | 12.2% | +1.4 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.56B | $1.35B | $1.07B | $194.6M | $12.8M | 1.64% | 4.30% | 0.11% |
| Q1 2026 | $1.56B | $1.35B | $1.12B | $188.2M | $6.3M | 1.62% | 4.16% | 0.10% |
| Q4 2025 | $1.57B | $1.37B | $1.09B | $183.3M | $-3.0M | -0.19% | 3.79% | 0.13% |
| Q3 2025 | $1.60B | $1.39B | $1.09B | $175.4M | $-10.6M | -0.89% | 3.56% | 0.48% |
| Q2 2025 | $1.54B | $1.34B | $1.07B | $167.8M | $7.4M | 0.93% | 3.41% | 0.52% |
| Q1 2025 | $1.60B | $1.38B | $1.07B | $164.2M | $3.6M | 0.88% | 3.33% | 0.60% |
| Q4 2024 | $1.64B | $1.42B | $1.07B | $157.0M | $14.6M | 0.91% | 3.19% | 0.65% |
| Q3 2024 | $1.64B | $1.41B | $1.09B | $162.0M | $10.1M | 0.84% | 3.15% | 0.67% |
Loan mix (Q2 2026): real estate $943.1M · commercial $139.4M · consumer $3.9M · securities $182.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Providence Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 59.0% | 26th |
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 | Providence Bank & Trust | 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 | Providence Bank & Trust | 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 | Providence Bank & Trust | 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 | Providence Bank & Trust | 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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