| Metric | PS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.9% | +4.7 pts |
| Deposit growth (YoY) | +8.7% | +4.3% | +4.4 pts |
| Loan growth (YoY) | +8.5% | +5.3% | +3.2 pts |
| ROA | 1.98% | 1.28% | +0.7 pts |
| ROE | 19.4% | 12.4% | +6.9 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $674.5M | $588.0M | $436.0M | $70.2M | $6.5M | 1.98% | 4.20% | 0.06% |
| Q1 2026 | $662.5M | $578.8M | $425.1M | $67.1M | $3.1M | 1.93% | 4.09% | 0.02% |
| Q4 2025 | $640.9M | $559.8M | $419.9M | $65.5M | $10.1M | 1.65% | 3.85% | 0.09% |
| Q3 2025 | $628.4M | $549.5M | $408.7M | $62.7M | $7.3M | 1.61% | 3.76% | 0.18% |
| Q2 2025 | $615.3M | $540.7M | $401.8M | $59.1M | $4.3M | 1.44% | 3.67% | 0.20% |
| Q1 2025 | $597.9M | $525.4M | $399.8M | $56.7M | $2.1M | 1.40% | 3.56% | 0.25% |
| Q4 2024 | $581.2M | $510.6M | $379.4M | $53.9M | $7.2M | 1.30% | 3.44% | 0.12% |
| Q3 2024 | $570.5M | $487.9M | $374.7M | $54.2M | $5.3M | 1.28% | 3.38% | 0.12% |
Loan mix (Q2 2026): real estate $341.9M · commercial $63.0M · consumer $22.8M · securities $133.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 12.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 61.2% | 18th |
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 | PS 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 | PS 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 | PS 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 | PS 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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