| Metric | 1st Financial Bank USA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +5.5% | +1.9 pts |
| Deposit growth (YoY) | +9.9% | +5.1% | +4.8 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.8 pts |
| ROA | 0.98% | 1.26% | -0.3 pts |
| ROE | 5.9% | 12.2% | -6.3 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.40B | $1.09B | $969.6M | $227.9M | $6.7M | 0.98% | 9.28% | 1.15% |
| Q1 2026 | $1.33B | $1.02B | $952.6M | $227.3M | $3.5M | 1.05% | 9.44% | 1.13% |
| Q4 2025 | $1.35B | $1.04B | $947.3M | $225.8M | $15.8M | 1.19% | 9.84% | 1.38% |
| Q3 2025 | $1.33B | $1.01B | $961.8M | $224.7M | $13.7M | 1.38% | 9.98% | 1.23% |
| Q2 2025 | $1.31B | $994.9M | $940.4M | $224.2M | $9.2M | 1.39% | 9.99% | 1.29% |
| Q1 2025 | $1.34B | $1.03B | $913.4M | $223.7M | $5.0M | 1.51% | 9.92% | 1.28% |
| Q4 2024 | $1.31B | $996.5M | $920.5M | $219.1M | $27.1M | 2.12% | 10.54% | 1.37% |
| Q3 2024 | $1.31B | $993.3M | $927.6M | $222.1M | $27.4M | 2.87% | 10.60% | 1.39% |
Loan mix (Q2 2026): real estate $278.6M · commercial $33.2M · consumer $354.2M · securities $109.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 1st Financial Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.28% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 59.0% | 83th |
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 Financial Bank USA | 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 Financial Bank USA | 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 Financial Bank USA | 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 Financial Bank USA | 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.