| Metric | The Pineries Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +12.5% | +5.6% | +6.9 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 13.5% | 11.9% | +1.6 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149.1M | $130.5M | $99.4M | $17.2M | $1.1M | 1.52% | 3.43% | 0.00% |
| Q1 2026 | $149.4M | $131.3M | $96.4M | $16.8M | $560K | 1.50% | 3.41% | 0.00% |
| Q4 2025 | $149.1M | $131.3M | $94.3M | $16.4M | $2.2M | 1.49% | 3.34% | 0.00% |
| Q3 2025 | $146.9M | $128.9M | $90.6M | $16.1M | $1.6M | 1.49% | 3.31% | 0.05% |
| Q2 2025 | $144.8M | $127.7M | $88.3M | $15.8M | $1.0M | 1.45% | 3.27% | 0.00% |
| Q1 2025 | $141.6M | $125.0M | $88.3M | $15.4M | $501K | 1.41% | 3.23% | 0.00% |
| Q4 2024 | $142.3M | $126.0M | $88.5M | $15.0M | $1.9M | 1.37% | 3.12% | 0.00% |
| Q3 2024 | $138.9M | $122.7M | $85.6M | $14.8M | $1.4M | 1.34% | 3.06% | 0.00% |
Loan mix (Q2 2026): real estate $93.9M · commercial $1.9M · consumer $3.6M · securities $5.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Pineries Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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 Pineries 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 Pineries 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 Pineries 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 Pineries 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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