| Metric | PyraMax Bank, FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +4.9% | -8.3 pts |
| Deposit growth (YoY) | -3.2% | +4.3% | -7.5 pts |
| Loan growth (YoY) | -6.8% | +5.3% | -12.1 pts |
| ROA | 0.44% | 1.28% | -0.8 pts |
| ROE | 4.0% | 12.4% | -8.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $588.7M | $406.2M | $414.3M | $64.5M | $1.3M | 0.44% | 2.80% | 0.18% |
| Q1 2026 | $595.2M | $402.7M | $427.4M | $65.1M | $717K | 0.48% | 2.71% | 0.21% |
| Q4 2025 | $597.8M | $404.8M | $440.0M | $64.8M | $2.9M | 0.49% | 2.75% | 0.21% |
| Q3 2025 | $615.2M | $422.7M | $444.1M | $63.5M | $2.0M | 0.45% | 2.71% | 0.22% |
| Q2 2025 | $609.5M | $419.5M | $444.4M | $61.7M | $1.2M | 0.40% | 2.64% | 0.23% |
| Q1 2025 | $586.2M | $397.7M | $429.1M | $61.0M | $449K | 0.31% | 2.63% | 0.26% |
| Q4 2024 | $571.0M | $405.5M | $414.9M | $59.2M | $501K | 0.09% | 2.40% | 0.30% |
| Q3 2024 | $562.7M | $411.2M | $398.2M | $60.8M | $99K | 0.02% | 2.34% | 0.17% |
Loan mix (Q2 2026): real estate $374.2M · commercial $44.5M · consumer $71K · securities $93.9M
| Ratio | PyraMax Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 12.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 61.2% | 89th |
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 | PyraMax Bank, FSB | 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 | PyraMax Bank, FSB | 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 | PyraMax Bank, FSB | 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 | PyraMax Bank, FSB | 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.