| Metric | 1st Advantage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.7 pts |
| Loan growth (YoY) | -6.0% | +5.6% | -11.5 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 11.3% | 11.9% | -0.5 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.0M | $190.9M | $162.2M | $20.1M | $1.1M | 1.05% | 3.70% | 0.11% |
| Q1 2026 | $206.1M | $185.3M | $170.8M | $19.5M | $552K | 1.05% | 3.64% | 0.04% |
| Q4 2025 | $215.6M | $195.6M | $174.5M | $19.0M | $514K | 0.26% | 3.73% | 0.27% |
| Q3 2025 | $208.8M | $178.5M | $170.5M | $18.8M | $414K | 0.28% | 3.72% | 1.08% |
| Q2 2025 | $201.0M | $171.0M | $172.4M | $18.4M | $35K | 0.04% | 3.71% | 1.12% |
| Q1 2025 | $182.3M | $157.9M | $157.5M | $18.6M | $162K | 0.35% | 3.70% | 1.15% |
| Q4 2024 | $183.8M | $164.6M | $156.7M | $18.4M | $1.9M | 1.11% | 3.90% | 0.00% |
| Q3 2024 | $181.4M | $162.8M | $146.0M | $17.8M | $1.4M | 1.11% | 3.90% | 0.00% |
Loan mix (Q2 2026): real estate $139.8M · commercial $22.4M · consumer $2.0M · securities $5.9M
| Ratio | 1st Advantage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | 56th |
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 | 1st Advantage 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 | 1st Advantage 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 | 1st Advantage 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 | 1st Advantage 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.