| Metric | The Bank of Princeton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -5.0 pts |
| Loan growth (YoY) | -3.7% | +5.9% | -9.6 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.25B | $1.94B | $1.75B | $275.0M | $13.9M | 1.23% | 3.83% | 0.73% |
| Q1 2026 | $2.25B | $1.95B | $1.80B | $269.3M | $6.5M | 1.14% | 3.68% | 0.73% |
| Q4 2025 | $2.28B | $1.98B | $1.80B | $266.1M | $19.9M | 0.87% | 3.63% | 0.73% |
| Q3 2025 | $2.23B | $1.93B | $1.77B | $261.8M | $13.5M | 0.79% | 3.70% | 0.75% |
| Q2 2025 | $2.24B | $1.94B | $1.82B | $255.7M | $6.7M | 0.58% | 3.58% | 0.74% |
| Q1 2025 | $2.32B | $2.01B | $1.83B | $266.2M | $5.7M | 0.98% | 3.52% | 1.14% |
| Q4 2024 | $2.34B | $2.03B | $1.80B | $261.3M | $11.3M | 0.53% | 3.44% | 1.16% |
| Q3 2024 | $2.34B | $2.05B | $1.81B | $260.9M | $5.8M | 0.38% | 3.43% | 0.10% |
Loan mix (Q2 2026): real estate $1.69B · commercial $47.4M · consumer $33.4M · securities $261.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Princeton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 59.0% | 52th |
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 | The Bank of Princeton | 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 | The Bank of Princeton | 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 | The Bank of Princeton | 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 | The Bank of Princeton | 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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