Pataskala Banking Company, The
Pataskala, OH · Cert 9440 · Peer group: banks under $1B in assets (n=553-600)
FDIC · 2 branches
Q3 2024
$39.3MAssets
$23.9MLoans
$36.5MDeposits
$2.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets (rank 130 of 599).
- Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 540 of 599).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.45%
Rank 454 of 600
Net Interest Margin
3.87%
Rank 130 of 599
Efficiency Ratio
84.38%
Rank 457 of 599
Equity / Assets
7.09%
Rank 540 of 599
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 24% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.46% | 0.79% | 1.24% | Beats 24% | 454 / 600 | | |
| Return on Equity | 6.36% | 4.80% | 8.06% | 11.58% | Beats 36% | 381 / 599 | | |
| Net Interest Margin | 3.87% | 2.69% | 3.18% | 3.78% | Beats 78% | 130 / 599 | | |
| Efficiency Ratio | 84.38% | 60.70% | 71.81% | 83.57% | Beats 24% | 457 / 599 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.07% | 0.33% | 0.86% | Beats 14% | 476 / 553 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.08% | Beats 49% | 281 / 553 | | |
| Capital |
| Tier 1 Capital Ratio | 16.58% | 11.16% | 13.46% | 17.80% | Beats 70% | 178 / 599 | | |
| Total Risk-Based Capital Ratio | 17.39% | 11.63% | 14.22% | 18.75% | Beats 70% | 177 / 599 | | |
| Equity / Assets | 7.09% | 8.41% | 10.03% | 12.90% | Beats 10% | 540 / 599 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.40% | 64.78% | 79.25% | 91.89% | 27th pctl | 413 / 562 | | |
| Loans / Assets | 60.75% | 56.05% | 67.49% | 76.84% | 35th pctl | 360 / 553 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |