| Metric | PSB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +4.9% | +17.4 pts |
| Deposit growth (YoY) | +19.4% | +4.3% | +15.1 pts |
| Loan growth (YoY) | +20.2% | +5.3% | +14.8 pts |
| ROA | 1.19% | 1.28% | -0.1 pts |
| ROE | 13.2% | 12.4% | +0.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $854.5M | $694.1M | $664.0M | $71.4M | $5.0M | 1.19% | 4.23% | 0.22% |
| Q1 2026 | $830.6M | $709.7M | $648.5M | $78.5M | $2.3M | 1.11% | 4.18% | 0.16% |
| Q4 2025 | $818.8M | $694.0M | $640.4M | $76.8M | $8.4M | 1.07% | 3.77% | 0.16% |
| Q3 2025 | $722.6M | $582.1M | $573.1M | $68.1M | $6.2M | 1.20% | 4.02% | 0.22% |
| Q2 2025 | $698.5M | $581.3M | $552.6M | $65.2M | $4.0M | 1.17% | 4.02% | 0.17% |
| Q1 2025 | $678.8M | $557.4M | $540.0M | $62.6M | $1.9M | 1.14% | 3.98% | 0.10% |
| Q4 2024 | $663.3M | $547.6M | $530.3M | $60.2M | $6.5M | 0.99% | 3.56% | 0.16% |
| Q3 2024 | $683.2M | $548.8M | $535.5M | $58.9M | $4.5M | 0.91% | 3.51% | 0.10% |
Loan mix (Q2 2026): real estate $573.8M · commercial $68.6M · consumer $10.8M · securities $79.0M
| Ratio | PSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 61.2% | 61th |
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 | PSB 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 | PSB 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 | PSB 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 | PSB 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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