| Metric | 1st Equity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.8 pts |
| ROA | 1.39% | 1.24% | +0.1 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $130.0M | $87.7M | $96.8M | $21.6M | $883K | 1.39% | 3.89% | 0.00% |
| Q1 2026 | $126.5M | $83.8M | $88.8M | $21.4M | $515K | 1.63% | 3.95% | 0.00% |
| Q4 2025 | $125.5M | $83.3M | $93.8M | $20.7M | $2.0M | 1.62% | 4.08% | 0.28% |
| Q3 2025 | $126.0M | $88.2M | $93.1M | $21.2M | $1.6M | 1.76% | 4.13% | 0.28% |
| Q2 2025 | $123.6M | $86.0M | $92.5M | $21.0M | $1.0M | 1.70% | 3.61% | 0.72% |
| Q1 2025 | $122.1M | $87.5M | $84.7M | $20.8M | $561K | 1.84% | 3.65% | 0.72% |
| Q4 2024 | $122.2M | $86.3M | $91.6M | $20.6M | $1.8M | 1.51% | 3.98% | 0.72% |
| Q3 2024 | $120.1M | $89.5M | $92.6M | $20.8M | $1.5M | 1.68% | 4.00% | 0.76% |
Loan mix (Q2 2026): real estate $90.8M · commercial $7.5M · consumer $99K · securities $90K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 1st Equity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 62.9% | 61th |
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 Equity 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 Equity 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 Equity 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 Equity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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