| Metric | The Park Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.5% | -2.7 pts |
| Deposit growth (YoY) | +5.0% | +5.1% | -0.0 pts |
| Loan growth (YoY) | +1.6% | +5.9% | -4.3 pts |
| ROA | 0.71% | 1.26% | -0.6 pts |
| ROE | 7.1% | 12.2% | -5.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.54B | $1.25B | $1.29B | $156.2M | $5.5M | 0.71% | 2.98% | 0.20% |
| Q1 2026 | $1.53B | $1.25B | $1.26B | $152.5M | $2.1M | 0.54% | 2.87% | 0.21% |
| Q4 2025 | $1.57B | $1.29B | $1.30B | $151.0M | $8.5M | 0.56% | 2.74% | 0.20% |
| Q3 2025 | $1.52B | $1.21B | $1.28B | $147.5M | $5.7M | 0.51% | 2.63% | 0.19% |
| Q2 2025 | $1.50B | $1.19B | $1.27B | $144.0M | $3.5M | 0.47% | 2.58% | 0.20% |
| Q1 2025 | $1.49B | $1.21B | $1.26B | $141.5M | $1.6M | 0.44% | 2.54% | 0.03% |
| Q4 2024 | $1.46B | $1.18B | $1.24B | $138.2M | $5.0M | 0.34% | 2.30% | 0.03% |
| Q3 2024 | $1.48B | $1.14B | $1.25B | $138.9M | $3.1M | 0.28% | 2.27% | 0.03% |
Loan mix (Q2 2026): real estate $1.17B · commercial $59.4M · consumer $20.8M · securities $169.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Park Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 59.0% | 81th |
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 Park 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 | The Park 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 | The Park 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 | The Park Bank | 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.