Private Bank & Trust: Profitability Analysis
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As of 3Q26, from the Call Report income statement (Schedule RI), balance sheet (Schedule RC) and quarterly averages (Schedule RC-K).
In 3Q26, net income of -$765K for the quarter was a return on assets of -709.98%. Return on equity is not shown because the prior quarter's equity is not served. Each line below is the quarter's amount times four over average assets of $431K; income adds to the return and expense takes from it.
Return on assets, line by line, 3Q26
The income statement for the quarter, each line as a share of average assets. The contributions add up to return on assets.
| Line | Effect on net income | Of average assets | Contribution to return on assets | Source |
|---|---|---|---|---|
| Net interest income | -$15K | -13.92% | -13.92% | RIAD4074 |
| Noninterest income | +$0 | 0.00% | +0.00% | RIAD4079 |
| Noninterest expense | -$750K | 696.06% | -696.06% | RIAD4093 |
| Pre-provision net revenue | -$765K | -709.98% | net interest income plus noninterest income less noninterest expense | |
| Provision for credit losses | +$0 | 0.00% | -0.00% | RIADJJ33 |
| Realized gains on securities | +$0 | 0.00% | +0.00% | RIAD3521, RIAD3196 |
| Other items before tax | +$0 | 0.00% | +0.00% | RIADHT70 (remainder) |
| Income before taxes | -$765K | -709.98% | RIAD4301 | |
| Income taxes | +$0 | 0.00% | -0.00% | RIAD4302 |
| Discontinued operations less noncontrolling interests | +$0 | 0.00% | +0.00% | RIADFT28, RIADG103 (remainder) |
| Net income: return on assets | -$765K | -709.98% | RIAD4340 |
From return on assets to return on equity
| Return on assets | -709.98% | net income -$765K x 4 / average assets $431K |
|---|---|---|
| Times: average assets to average equity | — | $431K / average equity — (the mean of — and $19.2M at the two quarter ends) |
| Return on equity | — | not available |
The same return on equity in three factors
| Net income to revenue (how much of each dollar of revenue is kept) | — | -$765K / revenue -$15K |
|---|---|---|
| Times: revenue to average assets (how hard the assets work) | -13.92% | revenue x 4 / $431K |
| Times: average assets to average equity (leverage) | — | as above |
| Return on equity | — | the product of the three |
Revenue is net interest income plus noninterest income. Income taxes were — of income before taxes. The lines add up to net income as filed.
1 quarters against the asset-tier median
| Quarter | ROE | ROA | Efficiency | Tier median ROE | Tier median ROA | Tier median Efficiency |
|---|---|---|---|---|---|---|
| 3Q26 | — | — | — | 8.78% | 1.03% | 68.28% |
These are the published figures on our bank pages. A dash means not reported for that quarter, or withheld because it falls outside a plausible range (for example, return on equity over negative equity). Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 3Q26
| Bank | Assets | ROE | ROA | Assets / equity | NII / AA | Fee income / AA | Expense / AA | Provision / AA | PPNR / AA | NI / revenue |
|---|---|---|---|---|---|---|---|---|---|---|
| Private Bank & Trust (this bank) | — | -709.98% | — | -13.92% | 0.00% | 696.06% | 0.00% | -709.98% | — | |
| 2UNIFI Bank | $39.5M | 3.37% | 1.29% | 2.61x | 2.49% | 0.06% | 0.86% | -0.02% | 1.69% | 50.60% |
| First State Bank of Van Orin | $39.1M | 6.71% | 0.71% | 9.39x | 2.41% | 0.22% | 1.92% | 0.00% | 0.71% | 27.13% |
| State Bank of Canton | $39.0M | 6.09% | 1.29% | 4.70x | 3.72% | 0.22% | 2.66% | 0.00% | 1.28% | 32.80% |
| Credit First N.A. | $39.8M | 32.48% | 31.63% | 1.03x | -0.05% | 156.84% | 116.17% | 0.00% | 40.62% | 20.18% |
| State Bank of Nauvoo | $39.8M | 2.35% | 0.19% | 12.23x | 3.58% | 0.38% | 3.88% | 0.01% | 0.09% | 4.85% |
| Bank of Mead | $38.8M | 8.98% | 0.90% | 10.03x | 3.05% | 0.12% | 1.99% | 0.05% | 1.19% | 28.21% |
| Kingstree Federal Savings and Loan Association | $40.0M | -34.50% | -4.46% | 7.73x | 2.22% | 0.21% | 2.62% | 0.18% | -0.19% | -183.47% |
| Citizens State Bank | $38.6M | 13.93% | 1.53% | 9.12x | 4.43% | 0.20% | 2.59% | 0.15% | 2.04% | 33.02% |
| State Bank of Jeffers | $38.5M | 11.47% | 1.66% | 6.89x | 4.32% | 0.07% | 2.23% | 0.00% | 2.17% | 37.86% |
| The Farmers State Bank of Turton | $40.2M | 12.73% | 1.33% | 9.57x | 3.63% | 0.05% | 2.91% | 0.00% | 0.77% | 36.19% |
| Peer 25th percentile | 4.05% | 0.76% | 5.25x | 2.43% | 0.09% | 2.05% | 0.00% | 0.73% | 21.91% | |
| Peer median | 7.85% | 1.29% | 8.42x | 3.32% | 0.20% | 2.61% | 0.00% | 1.24% | 30.50% | |
| Peer 75th percentile | 12.41% | 1.48% | 9.52x | 3.70% | 0.22% | 2.85% | 0.04% | 1.95% | 35.40% | |
| This bank's percentile | — | 0 | — | 0 | 0 | 100 | 35 | 0 | — |
Every bank in this table, this one included, is measured the same way for 3Q26: each income statement line for the quarter times four over its Schedule RC-K average assets. AA is average assets; PPNR is pre-provision net revenue. The percentile places this bank in the peer range, 0 the lowest and 100 the highest; for an expense or the provision, lower is better. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RI (income statement, for the single quarter), Schedule RC (equity capital) and Schedule RC-K (average total assets), as filed. Ratios are annualized as the quarter times four. The same figures are in the API at /api/v1/banks/6097196/profitability-analysis/ and in the Excel workbook. Next: the income tab, the net interest margin analysis, the credit quality analysis, the peer analysis, or the full profile.