Pibank, National Association
Miami, FL · Cert 25258 · Peer group: banks $1B-$10B in assets (n=322-328)
National charter · OCC · 2 branches
Q2 2026
$2.4BAssets
$1.1BLoans
$2.1BDeposits
$212.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 86% of banks $1B-$10B in assets (rank 46 of 328).
- Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets (rank 326 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.41%
Rank 324 of 328
Net Interest Margin
1.57%
Rank 325 of 328
Efficiency Ratio
116.89%
Rank 326 of 328
Equity / Assets
8.94%
Rank 255 of 328
Non-interest income vs. expense
Unfavorable gap of $41.4M · efficiency ratio beats 1% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.41% | 0.91% | 1.22% | 1.52% | Beats 1% | 324 / 328 | |
| Return on Equity | -4.58% | 8.43% | 11.45% | 14.43% | Beats 1% | 324 / 328 | |
| Net Interest Margin | 1.57% | 3.03% | 3.45% | 3.83% | Beats 1% | 325 / 328 | |
| Efficiency Ratio | 116.89% | 51.61% | 59.56% | 67.53% | Beats 1% | 326 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.24% | 0.51% | 1.03% | Beats 85% | 50 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 57% | 139 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 17.27% | 11.75% | 13.15% | 15.47% | Beats 85% | 50 / 328 | |
| Total Risk-Based Capital Ratio | 18.52% | 12.63% | 14.15% | 16.46% | Beats 86% | 46 / 328 | |
| Equity / Assets | 8.94% | 9.15% | 10.33% | 12.01% | Beats 22% | 255 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 54.03% | 76.63% | 87.92% | 95.36% | 5th pctl | 308 / 323 | |
| Loans / Assets | 48.11% | 65.18% | 74.15% | 79.98% | 7th pctl | 305 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |