| Metric | 1st Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +3.0% | -4.0 pts |
| Deposit growth (YoY) | -0.9% | +2.5% | -3.4 pts |
| Loan growth (YoY) | +0.2% | +2.6% | -2.4 pts |
| ROA | 0.83% | 0.99% | -0.2 pts |
| ROE | 8.3% | 8.1% | +0.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.3M | $58.2M | $46.2M | $6.6M | $275K | 0.83% | 4.62% | 0.35% |
| Q1 2026 | $68.3M | $61.3M | $45.7M | $6.6M | $138K | 0.82% | 4.56% | 0.00% |
| Q4 2025 | $65.6M | $58.5M | $45.6M | $6.7M | $596K | 0.91% | 4.66% | 0.00% |
| Q3 2025 | $64.9M | $57.7M | $45.8M | $6.7M | $469K | 0.95% | 4.59% | 1.03% |
| Q2 2025 | $66.0M | $58.8M | $46.1M | $6.7M | $332K | 1.00% | 4.56% | 1.02% |
| Q1 2025 | $67.2M | $60.0M | $45.9M | $6.8M | $156K | 0.94% | 4.39% | 0.00% |
| Q4 2024 | $65.5M | $58.3M | $43.3M | $6.8M | $669K | 1.00% | 4.56% | 0.00% |
| Q3 2024 | $64.7M | $57.4M | $44.4M | $6.8M | $513K | 1.02% | 4.55% | 0.07% |
Loan mix (Q2 2026): real estate $28.4M · commercial $3.3M · consumer $1.4M · securities $1.9M
| Ratio | 1st Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.99% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 8.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 70.8% | 68th |
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 Community 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 Community 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 Community 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 Community 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.